| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN. SVCS | 2111 E HIGHLAND AVE SUITE 210 PHOENIX, AZ 85016 | RELIASTAR LIFE INSURANCE COMPANY | $15K | $59K | $74K | 5.85% |
| PBT INSURANCE SERVICES LLC3 Filed as: PBT INSURANCE SERVICES, LLC | 24825 BYROAD WAY LAGUNA NIGUEL, CA 92677 | RELIASTAR LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.67% |
| CHIMIENTI & ASSOCIATES3 | 3400 W MINERAL KING AVE SUITE B VISALIA, CA 93291 | RELIASTAR LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.43% |
| PBT INSURANCE SERVICES LLC3 Filed as: PBT INSURANCE SERVICES, LLC | 4688 W JENNIFER AVE SUITE 103 FRESNO, CA 93722 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 6.60% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $0 | $8K | $8K | 5.00% |
| DENNIS LEE INSURANCE SERVICES INC3 Filed as: DENNIS LEE INSURANCE SERVICES INC. | 4688 WEST JENNIFER, #103 FRESNO, CA 93722 | HARTFORD LIFE AND ACCIDENT | $28 | $0 | $28 | 0.02% |
| PBT INSURANCE SERVICES LLC3 | 4688 W JENNIER #103 FRESNO, CA 93722 | DELTA DENTAL OF CALIFORNIA | $550 | $0 | $550 | 10.43% |
| CHIMIENTI & ASSOCIATES3 | 3400 WEST MINERAL KING AVE VISALIA, CA 93291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $319 | $0 | $319 | 11.55% |
| DENNIS LEE INSURANCE SERVICES INC3 Filed as: DENNIS LEE INSURANCE SERVICES INC. | 4688 W JENNIFER AVE FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $0 | $116 | 4.20% |
| PATRICIA JOANNE BENKOWSKI3 | 4688 W JENNIFER AVE SUITE 103 FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $0 | $97 | 3.51% |
| STEPHANIE NOELLE KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $26 | $80 | 2.90% |
| CASEY JAMES KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $35 | $52 | 1.88% |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA AVE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 1.81% |
| BRIAN ROBERT LLOYD3 | 3053 COPPERWOOD WAY EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $30 | $47 | 1.70% |
| BRIAN W MAAS3 | 1272 W. MORAGA RD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 1.27% |
| RYAN D NEACE3 | 3425 NW 47TH DR CAMAS, WA 98607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.33% |
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 | 813 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 815 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 18 | $5K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,099 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,099 | $1.4M |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,099 | $1.4M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,099 | $1.3M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,099 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,099 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.