| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 1491 EAST G STREET OAKDALE, CA 95361 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 4.91% |
| RHONDA V PHILLIPS3 Filed as: RHONDA V. PHILLIPS | 1285 WEST SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | AFLAC | $3K | $86 | $3K | 5.49% |
| REBECCA A ROBINSON3 Filed as: REBECCA A ROBINSON AND OTHER AGENTS | 7302 WEST PORTALS AVENUE FRESNO, CA 93723 | AFLAC | $2K | $17 | $2K | 4.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | AFLAC | $2K | $0 | $2K | 3.85% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INSURANCE SERVICES INC | 1255 WEST SHAW AVENUE, SUITE 100A FRESNO, CA 93711 | AFLAC | $1K | $17 | $1K | 2.83% |
| JOSEPH LINVILLE3 | 5558 CALIFORNIA AVENUE, SUITE 310 BAKERSFIELD, CA 93309 | AFLAC | $1K | $0 | $1K | 2.08% |
| JENNIFER D COLLINS3 Filed as: JENNIFER D. COLLINS | 266 HIGHWAY 71 NORTH ASHDOWN, AR 71822 | AFLAC | $291 | $0 | $291 | 0.60% |
| JANICE E. DEMING3 | 244 WEST DECATUR AVENUE CLOVIS, CA 93611 | AFLAC | $235 | $0 | $235 | 0.48% |
| 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 | $31K | $31K | 315.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | SYMETRA LIFE INSURANCE COMPANY | $984 | $0 | $984 | 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 | 385 | 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) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 399 | $106K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 385 | $10K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 10 | $67K |
| Other(3 contracts, 3 carriers) | AFLAC | 399 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.