| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES, LLC | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | CALIFORNIA PHYSICIANS SERVICE | $12K | $77K | $88K | 5.61% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY INSURANCE BROKERS | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN, INC. | $27K | $0 | $27K | 4.87% |
| TREVE D RASMUSSEN3 Filed as: TREVE D. RASMUSSEN | 3206 NRTH DINUBA BOULEVARD, SUITE E VISALIA, CA 93291 | AFLAC | $4K | $401 | $4K | 5.24% |
| LORRIE ANN RODRIGUEZ3 Filed as: LORRIE ANN RODRIGUEZ & OTHER AGENTS | 2377 WEST SHAW AVENUE, SUITE 104 FRESNO, CA 93711 | AFLAC | $2K | $263 | $3K | 3.44% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY INSURANCE BROKERS | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | AFLAC | $1K | $85 | $1K | 1.75% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INSURANCE SERVICES, INC. | 1255 WEST SHAW AVENUE, SUITE 100A FRESNO, CA 93711 | AFLAC | $825 | $114 | $939 | 1.17% |
| KEVIN TRACY3 | 235 NORTH SYLMAR AVENUE FRESNO, CA 93727 | AFLAC | $574 | $100 | $674 | 0.84% |
| NANCY ESQUIVEL3 | 4810 EAST MICHIGAN AVENUE FRESNO, CA 93703 | AFLAC | $447 | $73 | $520 | 0.65% |
| MARGARET BRIDGMAN3 Filed as: MARGARET A. BRIDGMAN | 13224 LYNETT COURT BAKERSFIELD, CA 93314 | AFLAC | $367 | $0 | $367 | 0.46% |
| LIBERTY COMPANY INSURANCE BROKERS3 Filed as: THE LIBERTY INSURANCE BROKERS | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 13.52% |
| LONDONO MILLER BENEFITS INC4 Filed as: LONDONO MILLER BENEFITS, INC. | 28326 ATLEY COURT SAUGUS, CA 91350 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $318 | $0 | $318 | 4.13% |
| JAMES LENCIONI4 | 25015 68TH AVENUE LOS MOLINOS, CA 96055 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $127 | $0 | $127 | 1.65% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 201 | $2.1M |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 201 | $1.6M |
| Vision(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 201 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 239 | $149K |
| Short-term disability | AFLAC | 78 | $80K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 201 | $2.1M |
| Other(3 contracts, 3 carriers) | AFLAC | 239 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.