| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| XL BENEFIT INSURANCE SERVICES3 | — | COMPANION LIFE INS CO OF CALIF | $12K | — | $12K | 5.00% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATES INSURANCE SER | 5250 NORTH PALM AVENUE SUITE 403 FRESNO, CA 93704 | PREMIER ACCESS INSURANCE COMPANY | $2K | — | $2K | 7.85% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES L | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | PREMIER ACCESS INSURANCE COMPANY | $1K | — | $1K | 4.56% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATION INS SERVICES | 5250 NORTH PALM AVENUE SUITE 403 FRESNO, CA 93704 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.46% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOC INSURANCE | 5250 NORTH PALM AVENUE FRESNO, CA 93704 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $798 | — | $798 | 8.87% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOC INSURANCE | 5250 NORTH PALM AVENUE FRESNO, CA 93704 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $478 | — | $478 | 11.75% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 63 | $25K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 60 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $22K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INS CO OF CALIF | 116 | $238K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.