| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE BROKER | PO BOX 5479 FRESNO, CA 93755 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $99K | — | $99K | 2.75% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | 6873 NORTH WEST AVE SUITE 101 FRESNO, CA 93711 | GUARDIAN | $19K | — | $19K | 9.97% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | 6873 N WEST FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 9.39% |
| JOSEPH LEON LINVILLE3 | 5455 N. BOND STREET FRESNO, CA 93710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.96% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: LYNN STACEY BROWN | 10904 STONY BAKERSFIELD, CA 93311 | CONTINENTAL AMERICAN INSURANCE COMPANY | $144 | — | $144 | 0.22% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INSURANCE | 1255 W SHAW SUITE 100 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | — | $137 | 0.21% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | 6873 N WEST AVENUE SUITE 101 FRESNO, CA 93711 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 10.83% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE BROKER | PO BOX 5479 FRESNO, CA 93755 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $7K | — | $7K | — |
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 | 324 | 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) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 522 | $3.6M |
| Dental | GUARDIAN | 324 | $194K |
| Vision | GUARDIAN | 324 | $194K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 450 | $28K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 443 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.