| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN L WENDER INSURANCE SERVICES3 | 755 N PEACH AVE STE I9 CLOVIS, CA 93611 | KAISER FOUNDATION HEALTH PLANS, INC. | $28K | — | $28K | 2.80% |
| JOHN L WENDER INSURANCE SERVICES3 Filed as: JOHN L WENDER | 755 N PEACH AVE STE I9 CLOVIS, CA 93611 | AETNA LIFE INSURANCE COMPANY | $42K | — | $42K | 4.55% |
| JOHN L WENDER INSURANCE SERVICES3 Filed as: JOHN L WENDER | 755 N PEACH AVE STE I9 CLOVIS, CA 93611 | AETNA LIFE INSURANCE COMPANY | $41K | — | $41K | 5.13% |
| JOHN L WENDER INSURANCE SERVICES3 Filed as: JOHN L WENDER | 755 N PEACH AVE STE I9 CLOVIS, CA 93611 | DELTA DENTAL OF CALIFORNIA | $9K | — | $9K | 3.99% |
| JOHN L WENDER INSURANCE SERVICES3 | 755 N PEACH AVE STE I-9 CLOVIS, CA 93611 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 4.40% |
| JOHN L WENDER INSURANCE SERVICES3 | 755 N PEACH AVE STE I-9 CLOVIS, CA 936117263 | LIFE INSURANCE COMPANY OF NORTH AMERICA (CIGNA) | $479 | — | $479 | 5.85% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 115 | $923K |
| Dental | DELTA DENTAL OF CALIFORNIA | 273 | $215K |
| Vision | VISION SERVICE PLAN | 171 | $35K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $215K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $215K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA (CIGNA) | 58 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.