| 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 | $25 | $4K | 3.89% |
| MJ INSURANCE3 Filed as: JENNIFER COLLINS & VARIOUS AGENTS | 266 HIGHWAY 71 NORTH ASHDOWN, AR 71822 | AFLAC | $2K | $0 | $2K | 2.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | AFLAC | $2K | $0 | $2K | 2.21% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INS. SERVICES INC | 1285 WEST SHAW AVENUE SUITE 101 FRESNO, CA 93711 | AFLAC | $2K | $6 | $2K | 2.07% |
| JOSEPH LINVILLE3 | 5558 CALIFORNIA AVENUE, SUITE 310 BAKERSFIELD, CA 93309 | AFLAC | $2K | $6 | $2K | 1.55% |
| REBECCA A ROBINSON3 Filed as: REBECCA A. ROBINSON | 7302 WEST PORTALS AVENUE FRESNO, CA 93723 | AFLAC | $579 | $0 | $579 | 0.58% |
| JANIS E. RIDLON3 Filed as: JANIS R. RIDLON | 1077 NORTH WILLOW AVENUE SUITE 105 CLOVIS, CA 93611 | AFLAC | $330 | $0 | $330 | 0.33% |
| 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 OF CA INS. SVCS. | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $31 | $31 | 0.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | SYMETRA LIFE INSURANCE COMPANY | $877 | $0 | $877 | 10.00% |
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 | 365 | $91K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 305 | $9K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 10 | $58K |
| Other(3 contracts, 3 carriers) | AFLAC | 365 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.