| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RHONDA V PHILLIPS3 Filed as: RHONDA V. PHILLIPS | 1334 WEST DAYTON AVENUE FRESNO, CA 93705 | AFLAC | $4K | $255 | $5K | 6.65% |
| MJ INSURANCE3 Filed as: AMANDA J. LADY AND VARIOUS AGENTS | 24 DALTON VALLEY DRIVE SAINT PETERS, MO 63376 | AFLAC | $3K | $155 | $3K | 4.65% |
| JOSEPH LINVILLE3 | 5558 CALIFORNIA AVENUE, SUITE 310 BAKERSFIELD, CA 93309 | AFLAC | $2K | $81 | $2K | 3.04% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INSURANCE SERVICES INC. | 1285 WEST SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | AFLAC | $2K | $90 | $2K | 2.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | AFLAC | $1K | $0 | $1K | 1.56% |
| JANIS E. RIDLON3 | 1077 NORTH WILLOW AVENUE, SUITE 105 CLOVIS, CA 93611 | AFLAC | $926 | $51 | $977 | 1.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 40 EAST ALAMARE AVENUE, SUITE 3 SANTA BARBARA, CA 93105 | AFLAC | $224 | $0 | $224 | 0.32% |
| 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 | 4.15% |
| MJ INSURANCE3 Filed as: BERNAVE NUNEZ AND VARIOUS AGENTS | 784 EAST SPRINGFIELD AVENUE REEDLEY, CA 93654 | AFLAC | $2K | $140 | $2K | 5.00% |
| RHONDA V PHILLIPS3 Filed as: RHONDA V. PHILLIPS | 1334 WEST DAYTON AVENUE FRESNO, CA 93705 | AFLAC | $2K | $113 | $2K | 4.52% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INSURANCE SERVICES INC. | 1285 WEST SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | AFLAC | $1K | $67 | $1K | 2.41% |
| JOSEPH LINVILLE3 | 5558 CALIFORNIA AVENUE, SUITE 310 BAKERSFIELD, CA 93309 | AFLAC | $870 | $47 | $917 | 1.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | AFLAC | $556 | $0 | $556 | 1.15% |
| DAVID J. FOLIA3 | 4848 EAST TEAGUE AVENUE CLOVIS, CA 93619 | AFLAC | $360 | $54 | $414 | 0.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 40 EAST ALAMARE AVENUE, SUITE 3 SANTA BARBARA, CA 93105 | AFLAC | $147 | $0 | $147 | 0.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | SYMETRA LIFE INSURANCE COMPANY | $812 | $0 | $812 | 10.00% |
| UNKNOWN3 | UNKNOWN FRESNO, CA 93706 | SYMETRA LIFE INSURANCE COMPANY | $0 | $383 | $383 | 4.72% |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 315 | $81K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 329 | $8K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 10 | $57K |
| Other(4 contracts, 3 carriers) | AFLAC | 329 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.