| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS | 6873 N. WEST AVE. STE 101 FRESNO, CA 93711 | BLUE CROSS OF CALIFORNIA | $0 | $0 | $0 | 0.00% |
| ACRISURE LLC3 Filed as: DIBUDUO AND DEFENDIS INS. AGENCY | 6873 N. WEST AVE., SUITE 108 FRESNO, CA 937114308 | KAISER FOUNDATION HEALTH PLANS, INC. | $0 | $0 | $0 | 0.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1187 N. WILLOW AVENUE STE 103 PMB 4 CLOVIS, CA 93611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.50% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS | 6873 N. WEST AVENUE, SUIT E101 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 7.75% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INSURANCE SERVICES, INC. | 1285 W. SHAW AVENUE, SUITE 102 FRESNO, CA 93711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $338 | — | $338 | 2.24% |
| FINANCIAL & INS SERVICES INC.3 | 7797 N. FRESNO STREET, SUITE 101 71 FRESNO, CA 93720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $238 | — | $238 | 4.01% |
| ACRISURE LLC3 Filed as: DIBUDUO AND DEFENDIS INS. AGENCY | 6873 N. WEST AVE., SUITE 108 FRESNO, CA 937114308 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $189 | — | $189 | 3.18% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 142 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.