| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | P. O. BOX 5479 FRESNO, CA 93755 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $68K | — | $68K | 2.76% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE BROKER | P.O. BOX 5479 FRESNO, CA 93755 | PREMIER ACCESS INSURANCE COMPANY | $13K | — | $13K | 9.94% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | 6873 N WEST FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.35% |
| JOSEPH LEON LINVILLE3 | 1285 W SHAW AVE STE 101 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 6.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN STACEY BROWN | 10904 STONY BAKERSFIELD, CA 93311 | CONTINENTAL AMERICAN INSURANCE COMPANY | $288 | — | $288 | 0.61% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INSURANCE | 1285 W SHAW SUITE 101 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | — | $221 | 0.47% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | P.O. BOX 5479 FRESNO, CA 93755 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 11.66% |
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 | 351 | 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) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 475 | $2.5M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 463 | $129K |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 475 | $2.5M |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 475 | $2.5M |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 580 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.