| 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 | $271 | $4K | 4.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | AFLAC | $3K | $0 | $3K | 2.83% |
| ANTHONY R ZAVALA3 Filed as: ANTHONY R. ZAVALA AND OTHER AGENTS | 1257 SOUTH FILBERT AVENUE FRESNO, CA 93727 | AFLAC | $2K | $0 | $2K | 2.47% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC STONE INSURANCE SERVICES INC | 1255 WEST SHAW AVENUE, SUITE 100A FRESNO, CA 93711 | AFLAC | $2K | $63 | $2K | 2.16% |
| JOSEPH LINVILLE3 | 5558 CALIFORNIA AVENUE, SUITE 310 BAKERSFIELD, CA 93309 | AFLAC | $1K | $0 | $1K | 1.38% |
| REBECCA A ROBINSON3 Filed as: REBECCA A. ROBINSON | 7302 WEST PORTALS AVENUE FRESNO, CA 93723 | AFLAC | $645 | $63 | $708 | 0.73% |
| JANICE E. DEMING3 | 244 WEST DECATUR AVENUE CLOVIS, CA 93611 | AFLAC | $293 | $0 | $293 | 0.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONA INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 4.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONA INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | SYMETRA LIFE INSURANCE COMPANY | $988 | $0 | $988 | 10.77% |
| VALUE ADDED BNFT ADMSTR INC3 Filed as: VALUE ADDED BNFT ADMSTER INC | 4704 WEST JENNIFER AVENUE SUITE 104 FRESNO, CA 93722 | SYMETRA LIFE INSURANCE COMPANY | $0 | $338 | $338 | 3.68% |
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 | 363 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 364 | $99K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 305 | $9K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 10 | $64K |
| Other(3 contracts, 3 carriers) | AFLAC | 364 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.