| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VILLANE WARD INSURANCE SERVICES3 | 5060 N. FRUIT AVENUE FRESNO, CA 937113061 | BLUE SHIELD OF CALIFORNIA | $65K | $62 | $65K | 3.79% |
| AMWINS3 Filed as: LISI, INC, | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | BLUE SHIELD OF CALIFORNIA | $34K | — | $34K | 2.00% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | BLUE SHIELD OF CALIFORNIA | $21K | — | $21K | 1.22% |
| VILLANE WARD INSURANCE SERVICES3 | 620 W. CROMWELL AVENUE, #106 FRESNO, CA 93711 | VISION SERVICE PLAN | $1K | — | $1K | 4.57% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | VISION SERVICE PLAN | $69 | — | $69 | 0.25% |
| VILLANE WARD INSURANCE SERVICES3 | 5060 N. FRUIT AVENUE FRESNO, CA 937113061 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.21% |
| RELATION INSURANCE INC3 Filed as: RELATIONS INSURANCE SERVICES | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $152 | — | $152 | 0.79% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.05% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 1277 TREAT BLVD., #400 WALNUT CREEK, CA 94597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $683 | — | $683 | 14.14% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | BLUE SHIELD OF CALIFORNIA | $13 | — | $13 | 28.89% |
| VILLANE WARD INSURANCE SERVICES3 | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | BLUE SHIELD OF CALIFORNIA | $2 | — | $2 | 4.44% |
| VILLANE WARD INSURANCE SERVICES3 | 620 W. CROMWELL AVENUE, #106 FRESNO, CA 93711 | ADMINISTRATIVE SOLTUIONS | — | $36K | $36K | — |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 363 | $1.7M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 449 | $11K |
| Vision(2 contracts) | VISION SERVICE PLAN | 150 | $56K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $19K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 363 | $1.7M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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.