| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATES | 5250 N. PALM, #403 FRESNO, CA 93704 | AMALGAMATED LIFE INSURANCE COMPANY | $31K | — | $31K | 8.00% |
| XL BENEFIT INSURANCE SERVICES3 | 10471 GRANT LINE ROAD, #100 ELK GROVE, CA 95624 | AMALGAMATED LIFE INSURANCE COMPANY | $20K | — | $20K | 5.00% |
| BARTHULI & ASSOCIATES INSURANCE3 | 5250 N. PALM AVENUE, #403 FRESNO, CA 93704 | STANDARD INSURANCE COMPANY | $8K | $1K | $9K | 12.49% |
| GINA CUTTONE3 | 2307 N FINE AVE FRESNO, CA 93727 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.44% |
| BARTHULI & ASSOCIATES INSURANCE3 | 5250 N. PALM AVENUE, #403 FRESNO, CA 93704 | VISION SERVICE PLAN | $646 | — | $646 | 8.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS EIN 95-4331852 SERVICE PROVIDER | Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $69K |
| ADVANTEK BENEFIT ADMINISTRATORS EIN 77-0382381 TPA | Claims processing Service code 12 | — | $50K |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 25 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 228 | $72K |
| Short-term disability | STANDARD INSURANCE COMPANY | 228 | $72K |
| Stop-loss / reinsurancereinsurance | AMALGAMATED LIFE INSURANCE COMPANY | 222 | $393K |
| Other | STANDARD INSURANCE COMPANY | 228 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.