| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTEK BENEFIT ADMINISTRATORS5 | 7370 N. PALM AVENUE FRESNO, CA 93711 | ADVANTEK BENEFIT ADMINISTRATORS | — | $100K | $100K | 10.23% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE | 5060 N. FRUIT AVENUE FRESNO, CA 937113061 | GERBER LIFE INSURANCE COMPANY | $76K | — | $76K | 15.00% |
| XL BENEFIT SERVICES3 Filed as: XL BENEFIT INSURANCE | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | GERBER LIFE INSURANCE COMPANY | $25K | — | $25K | 5.00% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE SERVICE | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | AMERITAS | $8K | $2K | $10K | 6.06% |
| VILLANE WARD INSURANCE SERVICES3 | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $255 | $5K | 21.12% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE SERVICE | 5060 N.FRUIT AVENUE FRESNO, CA 93711 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $116 | $2K | 21.09% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ADVANTEK BENEFIT ADMINISTRATORS | 476 | $981K |
| Dental(2 contracts, 2 carriers) | GERBER LIFE INSURANCE COMPANY | 334 | $678K |
| Life insurance(2 contracts, 2 carriers) | GERBER LIFE INSURANCE COMPANY | 242 | $519K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $23K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 242 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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.