| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIVERSIFIED BENEFIT SERVICES INSURA3 | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | CALIFORNIA PHYSICIAN'S SERVICES | $24K | $0 | $24K | 4.55% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | CALIFORNIA PHYSICIAN'S SERVICES | $6K | $0 | $6K | 4.50% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $0 | $5K | 4.99% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 4.98% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 Filed as: DIVERSIFIED BEN SVCS INS MTKG INC | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 14.99% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | CHOICEBUILDER | $3K | $0 | $3K | 9.93% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 Filed as: DIVERSIFIED BEN SVCS INS MTKG INC | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 14.99% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 Filed as: DIVERSIFIED BEN SVCS INS MTKG INC | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.99% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | CHOICEBUILDER | $1K | $0 | $1K | 9.87% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 Filed as: DIVERSIFIED BEN SVCS INS MTKG INC | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.98% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | VSP | $715 | $0 | $715 | 10.00% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | VSP | $404 | $0 | $404 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIVERSIFIED BENEFIT SERVICES INS ADMINISTRATOR | Contract Administrator Service code 13 | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | $60K |
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 | 96 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | CALIFORNIA PHYSICIAN'S SERVICES | 85 | $834K |
| Dental(2 contracts) | CHOICEBUILDER | 33 | $48K |
| Vision(2 contracts) | VSP | 29 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $50K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $79K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $28K |
| Prescription drug(2 contracts) | CALIFORNIA PHYSICIAN'S SERVICES | 85 | $680K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.