| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTEK BENEFIT ADMINISTRATORS5 | — | ADVANTEK BENEFIT ADMINISTRATORS | — | $161K | $161K | 7.21% |
| XL INSURANCE SERVICES, INC.3 | 2388 MARITIME DRIVE, #220 ELK GROVE, CA 957586092 | RELIASTAR LIFE INSURANCE COMPANY | $46K | — | $46K | 5.00% |
| VILLANE WARD INSURANCE SERVICES3 | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | DELTA DENTAL OF CALIFORNIA | $2K | $38K | $40K | 26.39% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.00% |
| AXA ASSISTANCE, USA5 | 122 S. MICHIGAN AVENUE, #1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.94% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE | 5060 N. FRUIT AVENUE FRESNO, CA 937113061 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.12% |
| ROBERT L KOLBERT3 | 7050 N FRESNO STE 105 FRESNO, CA 937202975 | METROPOLITAN LIFE INSURANCE COMPANY | $275 | — | $275 | 0.82% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE SERVICE | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 18.81% |
| VILLANE WARD INSURANCE SERVICES3 | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 10.00% |
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 | 297 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ADVANTEK BENEFIT ADMINISTRATORS | 610 | $2.2M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 635 | $169K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 807 | $33K |
| Life insurance(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 807 | $122K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 425 | $71K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 425 | $71K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 599 | $922K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 425 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.