| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE SERVICES INC | 5060 N FRUIT AVE FRESNO, CA 93711 | GERBER LIFE INSURANCE COMPANY | $66K | — | $66K | 5.50% |
| XL BENEFIT INSURANCE SERVICES3 | 3125 DWIGHT ROAD STE 400C ELK GROVE, CA 95758 | GERBER LIFE INSURANCE COMPANY | $60K | — | $60K | 5.00% |
| JOHN L WENDER INSURANCE SERVICES3 Filed as: JOHN LOUIS WENDER | 755 N PEACH AVE STE I9 CLOVIS, CA 93611 | AMERITAS LIFE INSURANCE CORP | $7K | — | $7K | 20.40% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE SERVICES INC | 5060 N FRUIT AVE FRESNO, CA 93711 | AMERITAS LIFE INSURANCE CORP | $5K | $320 | $5K | 16.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PINNACLE CLAIMS MANAGEMENT EIN 68-0324254 ASO | Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Claims processing; Contract Administrator; Account maintenance fees; Consulting fees Service code 12 | 17620 FITCH STREET IRVINE, CA 92614 | $278K |
| TEAMSTER ALCOHOL REHAB PROGRAM EIN 94-2875955 REHABILITATION ADMIN | Contract Administrator Service code 13 | 1620 N CARPENTER ROAD C-12 MODESTO, CA 95351 | $11K |
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 | 541 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 529 | $33K |
| Vision | VISION SERVICE PLAN | 525 | $82K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 541 | $30K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 516 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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."
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.