| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SVCS LLC3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | CALIFORNIA PHYSICIANS SERVICE | $8K | $46K | $55K | 5.68% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN, INC. | $18K | $0 | $18K | 4.82% |
| TREVE D RASMUSSEN3 Filed as: TREVE D. RASMUSSEN | 3206 NORTH DINUBA BOULEVARD SUITE E VISALIA, CA 93291 | AFLAC | $6K | $309 | $7K | 8.12% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | AFLAC | $5K | $540 | $5K | 6.03% |
| DANIEL J FERNANDEZ3 Filed as: DANIEL J FERNANDEZ AND OTHER AGENTS | 748 WEST MARILYN STREET FARMERSVILLE, CA 93223 | AFLAC | $4K | $147 | $4K | 5.09% |
| KEVIN TRACY3 | 3748 EAST FOUR CREEKS COURT VISALIA, CA 93292 | AFLAC | $2K | $73 | $2K | 2.36% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INSURANCE SERVICES, INC. | 1255 WEST SHAW AVENUE, SUITE 100A FRESNO, CA 93711 | AFLAC | $2K | $121 | $2K | 2.36% |
| ROBERT ANDREW TYACK3 | 829 TEMPUS CIRCLE ARROYO GRANDE, CA 93420 | AFLAC | $1K | $0 | $1K | 1.58% |
| NANCY ESQUIVEL3 | 4810 EAST MICHIGAN AVENUE FRESNO, CA 93703 | AFLAC | $827 | $0 | $827 | 0.99% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| LONDONO MILLER BENEFITS INC4 Filed as: LONDONO MILLER BENEFITS, INC. | 28326 ATLEY COURT SAUGUS, CA 91350 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 34.52% |
| JAMES LENCIONI4 | 25015 68TH AVENUE LOS MOLINOS, CA 96055 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $127 | $0 | $127 | 1.54% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 133 | $1.3M |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 133 | $960K |
| Vision(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 133 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 199 | $138K |
| Short-term disability | AFLAC | 85 | $84K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 133 | $1.3M |
| Other(3 contracts, 3 carriers) | AFLAC | 199 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.