| 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 | $20K | $0 | $20K | 3.41% |
| OLSON DUNCAN INSURANCE SERVICES INC3 | 25550 HAWTHORNE BLVD STE 203 TORRANCE, CA 90505 | CALIFORNIA PHYSICIAN'S SERVICES | $9K | $0 | $9K | 1.59% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | CALIFORNIA PHYSICIAN'S SERVICES | $6K | $0 | $6K | 3.31% |
| OLSON DUNCAN INSURANCE SERVICES INC3 | 25550 HAWTHORNE BLVD STE 203 TORRANCE, CA 90505 | CALIFORNIA PHYSICIAN'S SERVICES | $3K | $0 | $3K | 1.70% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | DELTA DENTAL OF CALIFORNIA | $11K | $0 | $11K | 6.84% |
| OLSON DUNCAN INSURANCE SERVICES INC3 | 25550 HAWTHORNE BLVD STE 203 TORRANCE, CA 90505 | DELTA DENTAL OF CALIFORNIA | $5K | $0 | $5K | 3.16% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | $0 | $4K | 3.38% |
| OLSON DUNCAN INSURANCE SERVICES INC3 Filed as: OLSON DUNCAN INSURANCE SERVICE INC | 25550 HAWTHORNE BLVD STE 203 TORRANCE, CA 90505 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 1.26% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | $0 | $4K | 3.11% |
| OLSON DUNCAN INSURANCE SERVICES INC3 | 25550 HAWTHORNE BLVD STE 203 TORRANCE, CA 90505 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 1.46% |
| 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 | $6K | $0 | $6K | 9.89% |
| OLSON DUNCAN INSURANCE SERVICES INC3 | 25550 HAWTHORNE BLVD STE 203 TORRANCE, CA 90505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.11% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | VSP | $2K | $0 | $2K | 6.73% |
| OLSON DUNCAN INSURANCE SERVICES INC3 | 25550 HAWTHORNE BLVD STE 203 TORRANCE, CA 90505 | VSP | $874 | $0 | $874 | 2.43% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | VSP | $2K | $0 | $2K | 6.73% |
| OLSON DUNCAN INSURANCE SERVICES INC3 | 25550 HAWTHORNE BLVD STE 203 TORRANCE, CA 90505 | VSP | $874 | $0 | $874 | 2.43% |
| 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 | 9.77% |
| OLSON DUNCAN INSURANCE SERVICES INC3 | 25550 HAWTHORNE BLAVD STE 203 TORRANCE, CA 90505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.23% |
| 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 | $2K | $0 | $2K | 10.93% |
| OLSON DUNCAN INSURANCE SERVICES INC3 | 25550 HAWTHORNE BLVD STE 203 TORRANCE, CA 90505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $766 | $0 | $766 | 4.07% |
| DIVERSIFIED BENEFIT SERVICES INSURA3 | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | DELTA DENTAL OF CALIFORNIA | $1K | $0 | $1K | 6.67% |
| OLSON DUNCAN INSURANCE SERVICES INC3 | 25550 HAWTHORNE BLVD STE 203 TORRANCE, CA 90505 | DELTA DENTAL OF CALIFORNIA | $566 | $0 | $566 | 3.34% |
| 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 | $908 | $0 | $908 | 9.73% |
| OLSON DUNCAN INSURANCE SERVICES INC3 | 25550 HAWTHORNE BLVD STE 203 TORRANCE, CA 90505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $492 | $0 | $492 | 5.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIVERSIFIED BENEFIT SERVICES INS ADMINISTRATOR | Other commissions; Contract Administrator Service code 13 | 1391 W SHAW AVE SUITE A FRESNO, CA 93711 | $62K |
| OLSON DUNCAN INSURANCE SERVICES INC ADMINISTRATOR | Other commissions; Contract Administrator Service code 13 | 25550 HAWTHORNE BLVD STE 203 TORRANCE, CA 90505 | $29K |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | CALIFORNIA PHYSICIAN'S SERVICES | 74 | $1.0M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 144 | $178K |
| Vision(2 contracts) | VSP | 170 | $72K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $57K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $85K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $29K |
| Prescription drug(2 contracts) | CALIFORNIA PHYSICIAN'S SERVICES | 74 | $767K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.