| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATES | 5250 N. PALM AVENUE, #403 FRESNO, CA 93704 | BLUE SHIELD OF CALIFORNIA | $44K | — | $44K | 4.00% |
| CRAIG M GANDY3 Filed as: CRAIG M. GANDY | 6540 LONETREE BLVD., #100 ROCKLIN, CA 95765 | BLUE SHIELD OF CALIFORNIA | $44K | — | $44K | 3.99% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATES | 5250 N. PALM AVENUE, #403 FRESNO, CA 937042214 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $256 | $6K | 24.96% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATES | 5250 N. PALM AVENUE, #403 FRESNO, CA 93704 | BLUE SHIELD OF CALIFORNIA | $625 | — | $625 | 5.00% |
| GANDY, CRAIG M.3 | 6540 LONETREE BLVD., #100 ROCKLIN, CA 95765 | BLUE SHIELD OF CALIFORNIA | $307 | — | $307 | 2.46% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 267 | $1.1M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 223 | $23K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 223 | $23K |
| Life insurance | BLUE SHIELD OF CALIFORNIA | 512 | $12K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 267 | $1.1M |
| Other | BLUE SHIELD OF CALIFORNIA | 512 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.