| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 28906 FRESNO, CA 93729 | AFLAC | $3K | $0 | $3K | 3.06% |
| RHONDA V PHILLIPS3 | 1005 VANUE EAST SW CHILDRESS, TX 79201 | AFLAC | $2K | $161 | $2K | 2.40% |
| JENNIFER D COLLINS & OTHER AGENTS3 | 266 HIGHWAY 71 NORTH ASHDOWN, AR 71822 | AFLAC | $2K | $32 | $2K | 1.95% |
| MAGPIE CATTLE CO & OTHER AGENTS3 | 393 SKIDDER TRL TRUCKEE, CA 96161 | AFLAC | $1K | $6 | $1K | 1.37% |
| RHONDA V PHILLPS3 | 1005 AVENUE EAST SW CHIDRESS, TX 79201 | AFLAC | $1K | $13 | $1K | 1.36% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC STONE INS SERVICES INC | 1255 WEST SHAW AVENUE, SUITE 100A FRESNO, CA 93711 | AFLAC | $1K | $0 | $1K | 1.29% |
| JOSEPH LINVILLE3 | 5558 CALIFORNIA AVENUE, SUITE 310 BAKERSFIELD, CA 93309 | AFLAC | $796 | $0 | $796 | 0.87% |
| JOSEPH LINVILLE3 | 5455 NORTH BOND STREET FRESNO, CA 93710 | AFLAC | $307 | $0 | $307 | 0.34% |
| JANIS E. RIDLON3 Filed as: JANIS E DEMING | 244 WEST DECATUR AVENUE CLOVIS, CA 93611 | AFLAC | $243 | $0 | $243 | 0.27% |
| EDWARD RUSSELL RANDALL3 | 6153 AMBER AVENUE CLOVIS, CA 93619 | AFLAC | $182 | $0 | $182 | 0.20% |
| JENNIFER D COLLINS3 | 266 HIGHWAY 71 NORTH ASHDOWN, AR 71822 | AFLAC | $181 | $0 | $181 | 0.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | $0 | $4K | 4.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SE | 548 WEST CROMWELL AVENUE FRESNO, CA 93711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $7K | 23.67% |
| 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 | $4K | $4K | 114.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SE | PO BOX 2158 RIVERSIDE, CA 92516 | SYMETRA LIFE INSURANCE COMPANY | $348 | $0 | $348 | 9.99% |
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 | 437 | 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) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 467 | $129K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 568 | $33K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 8 | $82K |
| Other(4 contracts, 4 carriers) | AFLAC | 568 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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.