| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI AND ASSOC INS SVCS INC | 5250 NORTH PALM AVENUE, SUITE 403 FRESNO, CA 93704 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 3.45% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI AND ASSOC INS SVCS INC | 5250 NORTH PALM AVENUE, SUITE 403 FRESNO, CA 93704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25K | $0 | $25K | 8.50% |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA AVE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $1 | $17K | 5.70% |
| BARRY W MAAS3 | 1272 W MORAGA RD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $181 | $13K | 4.58% |
| ROSE RODRIGUEZ CUEVAS3 | 1675 S FRANKWOOD AVE REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $471 | $73 | $544 | 0.19% |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 145 | $685K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 143 | $293K |
| Long-term disability | STANDARD INSURANCE COMPANY | 145 | $393K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 143 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.