| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DI BUDUO & DE FENDIS3 | 6873 N WEST AVENUE FRESNO, CA 93711 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | — | $46K | 4.62% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE BROKER | 6873 N WEST AVE #101 FRESNO, CA 93711 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 8.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYER DRIVEN INSURANCE SERVICES EIN 77-0106517 NONE | Claims processing Service code 12 | PO BOX 7809 VISALIA, CA 93290 | $9K |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $1.0M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.