| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AHART INSURANCE SERVICES3 Filed as: AHART INSURANCE SOLUTIONS, INC. | 2551 WEST LOCUST AVENUE FRESNO, CA 93711 | AETNA LIFE INSURANCE COMPANY | $25K | — | $25K | 3.69% |
| JACK EDWARD AHART3 | 2551 WEST LOCUST AVE FRESNO, CA 93711 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 1.83% |
| AHART INSURANCE SERVICES3 Filed as: AHART INSURANCE SOLUTIONS INC. | 2551 W LOCUST AVENUE FRESNO, CA 93711 | METROPOLITAN LIFE INSURANCE COMPANY (SUPERIOR VISION) | $649 | — | $649 | 10.17% |
| JACK EDWARD AHART3 Filed as: JACK E AHART | 2551 W LOCUST FRESNO, CA 93711 | THE HARTFORD | $509 | — | $509 | 12.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NAVIA BENEFIT SOLUTIONS, INC. EIN 91-1467758 CLAIMS ADMIN | Claims processing Service code 12 | — | $9K |
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 | 137 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 66 | $668K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY (SUPERIOR VISION) | 85 | $6K |
| Life insurance | THE HARTFORD | 135 | $4K |
| Other | THE HARTFORD | 135 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.