| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS. INC. | 548 WEST CROMWELL AVENUE, SUITE 101 FRESNO, CA 93711 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | $0 | $42K | 5.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS. INC. | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN INC | $32K | $0 | $32K | 5.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS. SVCS. | 600 CORPORATE POINTE, SUITE 600 CLUVER CITY, CA 90230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $7K | $21K | 12.42% |
| ENROLLEASE3 | 600 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.93% |
| AYMEE DIANE COUSINEAU3 Filed as: AYMEE COUSINEAU AND OTHER AGENTS | 1544 SOUTH PEPPERTREE COURT VISALIA, CA 93277 | AFLAC | $4K | $0 | $4K | 6.03% |
| TAMARA HARVELL3 | 2430 NORTH SILVERVALE COURT VISALIA, CA 93291 | AFLAC | $4K | $10 | $4K | 4.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS. INC. | PO BOX 28906 FRESNO, CA 93729 | AFLAC | $3K | $0 | $3K | 4.29% |
| MAGPIE CATTLE CO3 Filed as: MAGPIE CATTLE COMPANY | 869 EAST DARTMOUTH DRIVE FRESNO, CA 93730 | AFLAC | $1K | $0 | $1K | 1.88% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INSURANCE SERVICES INC. | 1285 WEST SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | AFLAC | $1K | $0 | $1K | 1.71% |
| TREVE D RASMUSSEN3 Filed as: TREVE D. RASMUSSEN | 430 WEST CALDWELL AVENUE, SUITE C VISALIA, CA 93277 | AFLAC | $1K | $2 | $1K | 1.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH SANTA FE VISALIA, CA 93292 | AFLAC | $1K | $0 | $1K | 1.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 3636 AMERICAN RIVER DRIVE SACRAMENTO, CA 95864 | FIDELITY SECURITY LIFE | $6K | $0 | $6K | 15.00% |
| THERESA NETTO PHILLIPS3 | 6219 SOUTH CLARA AVENUE FRESNO, CA 93706 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.84% |
| G SCOTT COOKE3 Filed as: SCOTT ALLEN BEER | 8385 NORTH RAISINA AVENUE FRESNO, CA 93720 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH SANTA FE VISALIA, CA 93292 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | $0 | $129 | 5.37% |
| NANCY JEAN HAGOPIAN3 | 4594 NORTH OUTLOOK COURT CLOVIS, CA 93619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | $0 | $65 | 2.71% |
| DIANE MARIE EKIZIANKASABIAN3 | 10590 EAST DUCKPOINT WAY CLOVIS, CA 93619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | $0 | $64 | 2.67% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 138 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $168K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $168K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $168K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 8 | $5K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $168K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 138 | $1.4M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
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.