| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARTHULI & ASSOCIATES INSURANCE3 | 5250 N. PALM AVENUE, #403 FRESNO, CA 93704 | GREAT MIDWEST INSURANCE COMPANY (GMIC) | $30K | — | $30K | 8.00% |
| XL INSURANCE SERVICES, INC.3 Filed as: XL INSURANCE SERVICES | 5250 N. PALM AVENUE, #403 FRESNO, CA 93704 | GREAT MIDWEST INSURANCE COMPANY (GMIC) | $19K | — | $19K | 5.00% |
| BARTHULI & ASSOCIATES INSURANCE3 | 5250 N. PALM AVENUE, #403 FRESNO, CA 93704 | SYMETRA LIFE INSURANCE COMPANY | $7K | — | $7K | 9.63% |
| GINA CUTTONE3 | 2307 N. FINE AVENUE FRESNO, CA 93727 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.94% |
| BARTHULI & ASSOCIATES INSURANCE3 | 5250 N. PALM AVENUE, #403 FRESNO, CA 93704 | VISION SERVICE PLAN | $729 | — | $729 | 7.68% |
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 | 272 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GREAT MIDWEST INSURANCE COMPANY (GMIC) | 140 | $375K |
| Vision | VISION SERVICE PLAN | 31 | $9K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 272 | $71K |
| Short-term disability | STANDARD INSURANCE COMPANY | 76 | $26K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 272 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.