| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DL RICHESIN AND ASSOCIATES INS3 | 7110 N FRESNO 430 FRESNO, CA 93720 | BLUE CROSS OF CALIFORNIA | $42K | — | $42K | 2.35% |
| L/P INSURANCE SERVICES3 | 300 E 2ND STREET STE 1300 RENO, NV 89501 | BLUE CROSS OF CALIFORNIA | $31K | — | $31K | 1.74% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 W HILLSIDE BLVD SAN MATEO, CA 94402 | BLUE CROSS OF CALIFORNIA | — | $7K | $7K | 0.40% |
| DL RICHESIN AND ASSOCIATES INS3 | 7110 N FRESNO 430 FRESNO, CA 93720 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $823 | — | $823 | 2.35% |
| L/P INSURANCE SERVICES3 | 300 E 2ND STREET STE 1300 RENO, NV 89501 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $609 | — | $609 | 1.74% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 W HILLSIDE BLVD SAN MATEO, CA 94402 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $139 | — | $139 | 0.40% |
| KIMBERLEY LYNN SCHMALL3 | 9925 N GRANVILLE AVE FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | — |
| BARRY W MAAS3 | 1272 W MORAGA RD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $606 | $54 | $660 | — |
| DONNA LEE MEYER3 | 1950 COUGAR LN CLOVIS, CA 93611 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | — | $107 | — |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA AVE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | — |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 129 | $1.8M |
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 66 | $0 |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 161 | $35K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 66 | $0 |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 161 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.