| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | 6873 N. WEST AVENUE, #101 FRESNO, CA 93711 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $26K | — | $26K | 1.73% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | P. O. BOX 5479 FRESNO, CA 93755 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $14K | — | $14K | 0.95% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE BROKER | P.O. BOX 5479 FRESNO, CA 93755 | PREMIER ACCESS INSURANCE COMPANY | $11K | — | $11K | 9.84% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | P.O. BOX 5479 FRESNO, CA 93755 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 363 | $1.5M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 389 | $107K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 193 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.