| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RHONDA V PHILLIPS3 Filed as: RHONDA V. PHILLIPS | 1285 WEST SHAW AVENUE SUITE 101 FRESNO, CA 93711 | AFLAC | $4K | $224 | $4K | 3.74% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC STONE INSURANCE SERVICES INC | 1285 WEST SHAW AVENUE,, SUITE 101 FRESNO, CA 93711 | AFLAC | $2K | $96 | $2K | 2.26% |
| JOSEPH LINVILLE3 | 5558 CALIFORNIA AVENUE, SUITE 310 BAKERSFIELD, CA 93309 | AFLAC | $2K | $96 | $2K | 2.16% |
| MJ INSURANCE3 Filed as: RHONDA PHILLIPS AND VARIOUS AGENTS | 1334 WEST DAYTON AVENUE FRESNO, CA 93705 | AFLAC | $2K | $17 | $2K | 1.87% |
| MJ INSURANCE3 Filed as: BRENDA HAMILTON AND VARIOUS AGENTS | 37 BIRCH AVENUE CLOVIS, CA 93611 | AFLAC | $2K | $12 | $2K | 1.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | AFLAC | $1K | $0 | $1K | 1.23% |
| JANIS E. RIDLON3 | 1077 NORTH WILLOW AVENUE SUITE 105 CLOVIS, CA 93611 | AFLAC | $842 | $72 | $914 | 0.85% |
| MJ INSURANCE3 Filed as: AMANDA JEAN LADY | 24 DALTON VALLEY DRIVE SAINT PETERS, MO 63376 | AFLAC | $552 | $78 | $630 | 0.59% |
| RHONDA V PHILLIPS3 Filed as: RHONDA PHILLIPS | 1334 WEST DAYTON AVENUE FRESNO, CA 93705 | AFLAC | $161 | $0 | $161 | 0.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 4.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | SYMETRA LIFE INSURANCE COMPANY | $621 | $0 | $621 | 7.45% |
| VALUE ADDED BNFT ADMSTR INC3 Filed as: VALUE ADDED BENEFIT ADMIN INC | 4704 WEST JENNIFER AVENUE SUITE 104 FRESNO, CA 93722 | SYMETRA LIFE INSURANCE COMPANY | $0 | $154 | $154 | 1.85% |
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 | 305 | 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) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 310 | $86K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 305 | $8K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 10 | $60K |
| Other(3 contracts, 3 carriers) | AFLAC | 310 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.