| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVENUE FRESNO, CA 93711 | BLUE SHIELD OF CALIFORNIA | $16K | — | $16K | 5.60% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICE | 1391 W. SHAW AVENUE FRESNO, CA 93711 | BLUE SHIELD OF CALIFORNIA | $15K | — | $15K | 5.60% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVENUE FRESNO, CA 93711 | BLUE SHIELD OF CALIFORNIA | $12K | — | $12K | 5.60% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVENUE, SUITE A FRESNO, CA 937113600 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| DIVERSIFIED BENEFITS GROUP LLC3 Filed as: DIVERSIFIED BENEFITS SERVICES | 1391 W. SHAW AVENUE, SUITE A FRESNO, CA 937113600 | VISION SERVICE PLAN | $762 | — | $762 | 10.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVENUE, SUITE A FRESNO, CA 937113602 | VISION SERVICE PLAN | $719 | — | $719 | 9.99% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVENUE, SUITE A FRESNO, CA 937113602 | VISION SERVICE PLAN | $549 | — | $549 | 10.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICES | 1391 W. SHAW AVENUE, SUITE A FRESNO, CA 937113602 | VISION SERVICE PLAN | $508 | — | $508 | 10.00% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED BENEFIT SERVICE | 1391 W. SHAW AVENUE, SUITE A FRESNO, CA 937113602 | VISION SERVICE PLAN | $204 | — | $204 | 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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | BLUE SHIELD OF CALIFORNIA | 64 | $769K |
| Vision(5 contracts) | VISION SERVICE PLAN | 33 | $27K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $33K |
| Prescription drug(3 contracts) | BLUE SHIELD OF CALIFORNIA | 64 | $769K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.