| 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. | $50K | $0 | $50K | 4.97% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INS. ADMINISTRATORS | 721 SOUTH PARKER, SUITE 300 ORANGE, CA 92868 | PROMINENCE HEALTH PLAN | $10K | $0 | $10K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | PROMINENCE HEALTH PLAN | $10K | $0 | $10K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 255387 SACRAMENTO, CA 95865 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 6.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | UNKNOWN FRESNO, CA 93720 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.91% |
| DER MANOUEL INSURANCE GROUP3 | PO BOX 28906 FRESNO, CA 93729 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $779 | $0 | $779 | 4.62% |
| PATRICIA JOANNE BENKOWSKI3 Filed as: PATRICIA L. HOLT | 2727 WEST BLUFF AVENUE, SUITE 107 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $315 | $0 | $315 | 1.87% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LLIC-STONE INSURANCE SERVIES INC | 1255 WEST SHAW STREET, SUITE 100 A FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $314 | $0 | $314 | 1.86% |
| JOSEPH LEON LINVILLE3 Filed as: JOSEPH L. LINVILLE | 8249 NORTH BACKER AVENUE FRESNO, CA 93720 | CONTINENTAL AMERICAN INSURANCE COMPANY | $214 | $0 | $214 | 1.27% |
| MELANIE A BERGMAN3 Filed as: MELANIE A. BERGMAN | 561 WEST MINARETS AVENUE CLOVIS, CA 93611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | $0 | $92 | 0.55% |
| DAVID J. FOLIA3 | 10389 NORTH BAIRD FRESNO, CA 93730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.04% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 150 | $1.3M |
| Vision | VISION SERVICE PLAN | 159 | $23K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $108K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $108K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 150 | $1.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.