| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | BLUE SHIELD OF CALIFORNIA | — | $83K | $83K | 4.25% |
| DER MANOUEL INSURANCE GROUP3 | PO BOX 28906 FRESNO, CA 93729 | HEALTH PLAN OF NEVADA | $8K | $0 | $8K | 6.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS. SVCS. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $422 | $6K | 10.74% |
| DER MANOUEL INSURANCE GROUP3 | PO BOX 28906 FRESNO, CA 93729 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 548 WEST CROMWELL AVENUE, SUITE 101 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 24.75% |
| JOSEPH LEON LINVILLE3 Filed as: JOSEPH L LINVILLE | 1951 NORTH GATEWAY, SUITE 102 FRESNO, CA 93722 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 13.84% |
| PATRICIA JOANNE BENKOWSKI3 Filed as: PATRICIA L HOLT | 2727 WEST BLUFF AVENUE, SUITE 107 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 13.44% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INSURANCE SERVICES INC | 1285 WEST SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $894 | $0 | $894 | 6.35% |
| DOUGLAS BUNTING3 Filed as: DOUGLAS R FULMER | 1285 WEST SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $322 | $0 | $322 | 2.29% |
| DAVID J. FOLIA3 Filed as: DAVID J FOLIA | 4848 EAST TEAGUE CLOVIS, CA 93619 | CONTINENTAL AMERICAN INSURANCE COMPANY | $163 | $0 | $163 | 1.16% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 198 | $2.1M |
| Vision | VISION SERVICE PLAN | 169 | $29K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $54K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $66K |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 198 | $2.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.