| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PBT INSURANCE SERVICES LLC3 | 24825 BYROAD WAY LAGUNA NIGUEL, CA 92677 | UNITED HEALTHCARE INSURANCE COMPANY | $52K | $0 | $52K | 5.24% |
| PBT INSURANCE SERVICES LLC3 Filed as: PBT INSURANCE SERVICES | 4688 W JENNIFER AVE SUITE 103 FRESNO, CA 93722 | HARTFORD LIFE AND ACCIDENT | $46K | $0 | $46K | 13.24% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $0 | $19K | $19K | 5.52% |
| DENNIS LEE INSURANCE SERVICES INC3 Filed as: DENNIS LEE INSURANCE INC | 4688 W JENNIFER AVE #103 FRESNO, CA 93722 | HARTFORD LIFE AND ACCIDENT | $1 | $0 | $1 | 0.00% |
| CHIMIENTI & ASSOCIATES3 | 3130 W MAIN STREET SUITE 106 VISALIA, CA 93291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 12.57% |
| PATRICIA JOANNE BENKOWSKI3 | 5703 N WEST AVE SUITE 102 FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 5.41% |
| DENNIS LEE INSURANCE SERVICES INC3 | 4688 W JENNIFER AVE FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.98% |
| BRIAN ROBERT LLOYD3 | 6234 KINGS PEAK DR EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $406 | $1K | $1K | 2.06% |
| STEPHANIE NOELLE KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $724 | $423 | $1K | 1.60% |
| BARRY W MAAS3 | 1272 W. MORAGA RD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $740 | $0 | $740 | 1.03% |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA AVE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $600 | $0 | $600 | 0.84% |
| ROSE RODRIGUEZ CUEVAS3 | 1675 S FRANKWOOD AVE REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $382 | $0 | $382 | 0.53% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $113 | $125 | 0.17% |
| KIMBERLEY LYNN SCHMALL3 | 1234 GRIFFITH CLOVIS, CA 93611 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 0.14% |
| SARAH COURTNEY KNAPP3 | 61 SKLAR ST LADERA RANCH, CA 92694 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.05% |
| JOHN D EVANGELISTA3 | 186 LAS FLORES ALISO VIEJO, CA 92656 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.02% |
| RAYMOND KWOCKMAN GONG3 | 1907 COLUMBIA ST APT 501 SAN DIEGO, CA 92101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| TECH COORDINATOR CYBER INSURANCE SO3 | 10741 LA JARA ST CERRITOS, CA 90703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.01% |
| RELATION INSURANCE SERVICES OF CA3 | 620 W CROMWELL AVE FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| CELIFLORA THOMPSON3 | 4454 TERRA CORVO CT MERCED, CA 95348 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| G SCOTT COOKE3 Filed as: SCOTT ALLEN BEER | 316 CROCKER ST UNIT A TEMPLETON, CA 93465 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| DENNIS LEE INSURANCE SERVICES INC3 | 4688 W JENNIFER AVE SUITE 102 FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $620 | $0 | $620 | 6.92% |
| CHIMIENTI & ASSOCIATES3 | 3130 W MAIN STREET SUITE 106 VISALIA, CA 93291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $463 | $0 | $463 | 5.17% |
| PATRICIA JOANNE BENKOWSKI3 | 5703 N WEST AVE SUITE 102 FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $0 | $203 | 2.26% |
| BARRY W MAAS3 | 1272 W. MORAGA RD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $0 | $153 | 1.71% |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA AVE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | $0 | $121 | 1.35% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIR ELKHORN, CA 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $65 | $75 | 0.84% |
| STEPHANIE NOELLE KUGLER3 | 21068 VALLEY CIR ELKHORN, CA 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $22 | $62 | 0.69% |
| ROSE RODRIGUEZ CUEVAS3 | 1675 S FRANKWOOD AVE REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.51% |
| BRIAN ROBERT LLOYD3 | 5187 BRENTFORD WAY EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $32 | $42 | 0.47% |
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 | 952 | 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) | 952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 114 | $998K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,116 | $346K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 54 | $81K |
| Long-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,116 | $426K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,116 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,116 | — |
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.