| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIBUDIO & DEFENDIS AGENCY3 Filed as: DIBUDIO & DEFENDIS INSURANCE BROKER | 6873 N WEST AVE STE 108 FRESNO, CA 93711 | KAISER PERMANENTE | $27K | $0 | $27K | 5.82% |
| TSM INSURANCE & FINANCIAL SERVICES3 Filed as: TSM INSURANCE & FINANCIAL SVCS | 1317 OAKDALE RD STE 910 MODESTO, CA 95355 | KAISER PERMANENTE | $5K | $0 | $5K | 1.09% |
| DIBUDIO & DEFENDIS AGENCY3 Filed as: DIBUDIO & DEFENDIS INSURANCE BROKER | 1560 CUMMINS DR STE A MODESTO, CA 95358 | UNITED HEALTHCARE | $6K | $0 | $6K | 11.81% |
| TSM INSURANCE & FINANCIAL SERVICES3 Filed as: TSM INSURANCE & FINANCIAL SVCS | 1317 OAKDALE RD SUITE 910 MODESTO, CA 95355 | UNITED HEALTHCARE | $796 | $0 | $796 | 1.59% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER PERMANENTE | 96 | $466K |
| Life insurance | UNITED HEALTHCARE | 256 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.