| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN INC | $48K | $0 | $48K | 4.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS SE | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $417 | $417 | 0.04% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. FINANCIAL SVCS INC | UNKNOWN FRESNO, CA 93720 | HEALTH PLAN OF NEVADA | $13K | $0 | $13K | 5.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS SE | PO BOX 255387 SACRAMENTO, CA 95865 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 7.87% |
| DER MANOUEL INSURANCE GROUP3 Filed as: MICHAEL DER MANOUEL JR | PO BOX 28906 FRESNO, CA 93729 | COMMUNITY INSURANCE COMPANY | $75 | $0 | $75 | 0.16% |
| BROKERNET INC3 Filed as: BROKERNET, INC. | 110 NORTHWOODS BOULEVARD SUITE C COLUMBUS, OH 43235 | COMMUNITY INSURANCE COMPANY | $0 | $52 | $52 | 0.11% |
| DER MANOUEL INSURANCE GROUP3 | PO BOX 28906 FRESNO, CA 93729 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 6.43% |
| PATRICIA JOANNE BENKOWSKI3 Filed as: PATRICIA LOUIS HOLT | 2727 WEST BLUFF AVENUE FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $926 | $0 | $926 | 5.03% |
| IIIC-STONE INSURANCE SERVICES, INC.3 | 1285 WEST SHAW, SUITE 101 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $418 | $0 | $418 | 2.27% |
| JOSEPH LEON LINVILLE3 | 1285 WEST SHAW, SUITE 101 FRESNO, CA 73711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $255 | $0 | $255 | 1.39% |
| MELANIE A BERGMAN3 Filed as: MELANIE A. BERGMAN | 561 WEST MINARETS AVENUE CLOVIS, CA 93611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $208 | $0 | $208 | 1.13% |
| DAVID J. FOLIA3 Filed as: DAVID JOHN FOLIA | 10389 NORTH BAIRD FRESNO, CA 93730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.03% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 137 | $1.3M |
| Vision | VISION SERVICE PLAN | 157 | $23K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $112K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $112K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 137 | $1.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.