| 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. | $63K | $0 | $63K | 5.34% |
| 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 | $16K | $0 | $16K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SE | PO BOX 803 LOS ALAMOS, CA 93440 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 6.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONL INS SERVICES | UNKNOWN FRESNO, CA 93720 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVCES INC | PO BOX 28906 FRESNO, CA 93729 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERATIONAL INS SERVICES INC | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | CONTINENT AMERICAN INSURANCE COMPANY | $538 | $0 | $538 | 4.12% |
| STONE INS SERVICES INC3 | 1255 WEST SHAW STREET, 100 A FRESNO, CA 93711 | CONTINENT AMERICAN INSURANCE COMPANY | $208 | $0 | $208 | 1.59% |
| JOSEPH LEON LINVILLE3 | 1951 NORTH GATEWAY 102 FRESNO, CA 93722 | CONTINENT AMERICAN INSURANCE COMPANY | $173 | $0 | $173 | 1.33% |
| PATRICIA JOANNE BENKOWSKI3 Filed as: PATRICIA LOUISE HOLT | 2727 WEST BLUFF AVENUE SUITE 107 FRESNO, CA 93711 | CONTINENT AMERICAN INSURANCE COMPANY | $92 | $0 | $92 | 0.70% |
| MELANIE A BERGMAN3 | 561 WEST MINARETS AVENUE CLOVIS, CA 93611 | CONTINENT AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.21% |
| DAVID J. FOLIA3 Filed as: DAVID JOHN FOLIA | 10389 NORTH BAIRD FRESNO, CA 93730 | CONTINENT AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.05% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 147 | $1.4M |
| Vision | VISION SERVICE PLAN | 146 | $24K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $106K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $106K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 147 | $1.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.