| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| XL BENEFIT INSURANCE SERVICES | 10471 GRANT LINE ROAD SUITE 100 ELK GROVE, CA 95624 | PAN-AMERICAN LIFE INSURANCE COMPANY | $51K | $9K | $60K | 20.00% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATES INSURANCE SVC | 5250 N PALM AVE FRESNO, CA 93704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| ANCILLARY INSURANCE SOLUTIONS3 | 1440 E VALLEY FORGE DR FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATES INSURANCE SVC | 5250 N PALM AVE FRESNO, CA 93704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ANCILLARY INSURANCE SOLUTIONS3 | 1440 E VALLEY FORGE DR FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $884 | $884 | 5.00% |
| BARTHULI & ASSOCIATES INSURANCE Filed as: BARTHULI & ASSOCIATES INSURANCE SVC | 5250 N PALM AVE FRESNO, CA 93704 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.15% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATES INSURANCE SVC | 5250 N PALM AVE FRESNO, CA 93704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ANCILLARY INSURANCE SOLUTIONS3 | 1440 E VALLEY FORGE DR FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $504 | $504 | 5.00% |
| BARTHULI & ASSOCIATES INSURANCE Filed as: BARTHULI & ASSOCIATES INSURANCE SVC | 5250 N PALM AVE FRESNO, CA 93704 | AMERITAS LIFE INSURANCE CORP | $1K | $62 | $1K | 19.07% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATES INSURANCE SVC | 5250 N PALM AVE FRESNO, CA 93704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $313 | — | $313 | 10.01% |
| ANCILLARY INSURANCE SOLUTIONS3 | 1440 E VALLEY FORGE DR FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $156 | $156 | 4.99% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATES INSURANCE SVC | 5250 N PALM AVE FRESNO, CA 93704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $295 | — | $295 | 10.01% |
| ANCILLARY INSURANCE SOLUTIONS3 | 1440 E VALLEY FORGE DR FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $147 | $147 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADVANTEK BENEFIT ADMINISTRATORS EIN 77-0382381 ADMINISTRATOR | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | 7370 N PALM AVE FRESNO, CA 93711 | $82K |
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 | 96 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INS CMPY | 87 | $0 |
| Dental | AMERITAS LIFE INSURANCE CORP | 87 | $7K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 87 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $56K |
| Short-term disability(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 23 | $10K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 88 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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.