| 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 | $2K | $0 | $2K | 4.90% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS AND FINANCIAL | PO BOX 28906 FRESNO, CA 93729 | SYMETRA LIFE INSURANCE COMPANY | $549 | — | $549 | 7.34% |
| VALUE ADDED BNFT ADMSTR INC3 | 4704 WEST JENNIFER AVENUE SUITE 104 FRESNO, CA 93722 | SYMETRA LIFE INSURANCE COMPANY | $0 | $407 | $407 | 5.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT'L INS SRVS INC | PO BOX 2158 RIVERSIDE, CA 92516 | SYMETRA LIFE INSURANCE COMPANY | $314 | $0 | $314 | 4.20% |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 296 | $66K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 289 | $7K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 10 | $47K |
| Other(4 contracts, 3 carriers) | TELADOC | 296 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.