| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $56K | $56K | 4.01% |
| UNKNOWN3 | UNKNOWN PORTERVILLE, CA 93257 | CALL-A-DOCTOR | $7K | $37K | $44K | 63.68% |
| BERNAVE NUNEZ3 | 784 E SPRINGFIELD AVENUE REEDLEY, CA 93654 | AFLAC | $3K | $89 | $3K | 5.48% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE AND VARIOUA AGENTS | 1255 W SHAW AVENUE, SUITE 100A FRESNO, CA 93711 | AFLAC | $1K | $15 | $1K | 2.24% |
| JOSEPH LINVILLE3 | 5558 CALIFORNIA AVENUE, SUITE 310 BAKERSFIELD, CA 93309 | AFLAC | $1K | $0 | $1K | 1.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | PO BOX 28906 FRESNO, CA 93711 | AFLAC | $1K | $0 | $1K | 1.97% |
| MARISOL MENDOZA3 | 1285 W SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | AFLAC | $944 | $15 | $959 | 1.66% |
| ANGEL X ESCAMILLA3 Filed as: ANGEL ESCAMILLA | 4920 SW LOMABARD AVENUE BEAVERTON, OR 97005 | AFLAC | $378 | $0 | $378 | 0.66% |
| GUERRERO SOLIS JR3 Filed as: GUERRERO SOLIS | 1633 VIA TROPICO SANTA MARIA, CA 93454 | AFLAC | $307 | $0 | $307 | 0.53% |
| RELATION INSURANCE SERVICES OF CA3 | 7673 NORTH INGRAM, UNIT 103 FRESNO, CA 93711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 803 LOS ALAMOS, CA 93440 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $150 | $1K | $1K | 5.26% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 261 | $1.4M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $24K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $24K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 261 | $1.4M |
| Other(3 contracts, 3 carriers) | CALL-A-DOCTOR | 91 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.