| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $54K | $54K | 4.18% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SVCS. OF CA INC. | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $18K | $18K | 1.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | AFLAC | $5K | $0 | $5K | 5.01% |
| MJ INSURANCE3 Filed as: JOAN C. BELTRAN & VARIOUS AGENTS | 255 NORTH MARIPOSA STREET FRESNO, CA 93701 | AFLAC | $4K | $0 | $4K | 4.82% |
| BERNAVE NUNEZ3 | 784 EAST SPRINGFIELD AVENUE REEDLEY, CA 93654 | AFLAC | $3K | $0 | $3K | 2.80% |
| JOSEPH LINVILLE3 | 5558 CALIFORNIA AVENUE, SUITE 310 BAKERSFIELD, CA 93309 | AFLAC | $2K | $0 | $2K | 2.63% |
| MARISOL MENDOZA3 | 1285 WEST SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | AFLAC | $2K | $0 | $2K | 2.10% |
| GUERRERO SOLIS JR3 | 8536 KERN CANYON ROAD SUITE 127 BAKERSFIELD, CA 93306 | AFLAC | $2K | $0 | $2K | 1.65% |
| VERONICA ILIC-STONE3 Filed as: VERONICA ILIC STONE | 1285 WEST SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | AFLAC | $1K | $0 | $1K | 1.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 255387 SACRAMENTO, CA 95865 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 15.45% |
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 | 175 | 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. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 333 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $54K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $54K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $54K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 333 | $1.3M |
| Other(2 contracts, 2 carriers) | AFLAC | 163 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.