| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN, INC. | $61K | $0 | $61K | 5.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: WORD & BROWN INS ADMINISTRATORS | 721 SOUTH PARKER, SUITE 300 ORANGE, OR 92868 | PROMINENCE HEALTH PLAN | $14K | $0 | $14K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SE | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92502 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $9K | 8.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 28906 FRESNO, CA 93729 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $478 | $0 | $478 | 4.58% |
| PATRICA LOUISE HOLT3 | 2727 WEST BLUFF AVENUE SUITE 107 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $328 | $0 | $328 | 3.14% |
| STONE INSURANCE AGENCY INC3 Filed as: STONE INSURANCE SERVICES INC | 1255 WEST SHAW STREET, SUITE 100A FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $161 | $0 | $161 | 1.54% |
| JOSEPH LEON LINVILLE3 | 8249 NORTH BACKER AVENUE FRESNO, CA 93720 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | $0 | $111 | 1.06% |
| MELANIE A BERGMAN3 | 561 WEST MINARETS AVENUE CLOVIS, CA 93611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.30% |
| FRANK ROBERT SOBOCINSKI3 | 528 SWEET BAY CIRCLE JUPITER, FL 33458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | $0 | $29 | 0.28% |
| DAVID J. FOLIA3 Filed as: DAVID JOHN FOLIA | 10389 NORTH BAIRD FRESNO, CA 93730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 162 | $1.4M |
| Vision | VISION SERVICE PLAN | 158 | $24K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $107K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $107K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 162 | $1.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.