| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | BLUE CROSS OF CALIFORNIA | $47K | — | $47K | 0.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2000 ALAMEDA DE LAS PULGAS SAN MATEO, CA 94403 | BLUE CROSS OF CALIFORNIA | $17K | — | $17K | 0.30% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | DELTA DENTAL OF CALIFORNIA | $6K | — | $6K | 1.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2000 ALAMEDA DE LAS PULGAS SAN MATEO, CA 94403 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 0.56% |
| JAMES G NEAL3 Filed as: JAMES G. NEAL | 3610 W. LOCUST AVENUE FRESNO, CA 93711 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.81% |
| JAMES G NEAL3 Filed as: JAMES G. NEAL | 3610 W. LOCUST AVENUE FRESNO, CA 93711 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 14.05% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | GERBER LIFE INSURANCE COMPANY | $2K | — | $2K | 3.49% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2000 ALAMEDA DE LAS PULGAS SAN MATEO, CA 94403 | GERBER LIFE INSURANCE COMPANY | $1K | — | $1K | 2.49% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | DELTA DENTAL OF CALIFORNIA | $164 | — | $164 | 1.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2000 ALAMEDA DE LAS PULGAS SAN MATEO, CA 94403 | DELTA DENTAL OF CALIFORNIA | $97 | — | $97 | 0.63% |
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 | 515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 515 | $5.8M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 415 | $499K |
| Vision | GERBER LIFE INSURANCE COMPANY | 443 | $58K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 515 | $5.9M |
| Long-term disability | STANDARD INSURANCE COMPANY | 516 | $78K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 515 | $5.8M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 515 | $5.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.