| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTEK BENEFIT ADMINISTRATORS5 | 7370 N. PALM AVENUE FRESNO, CA 93711 | ADVANTEK BENEFIT ADMINISTRATORS | — | $106K | $106K | 5.24% |
| VILLANE WARD INSURANCE SERVICES3 | 5060 N. FRUIT AVENUE FRESNO, CA 937113061 | GREAT MIDWEST INSURANCE COMPANY | $84K | — | $84K | 15.00% |
| XL INSURANCE SERVICES, INC.3 | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | GREAT MIDWEST INSURANCE COMPANY | $28K | — | $28K | 5.00% |
| VILLANEWARD INSURANCE SERVICE3 | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $750 | $18K | 11.57% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMAN ROAD, #310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 5.22% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE SERVICE | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 8.39% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE SERVICE | 5060 N. FRUIT AVENUE FRESNO, CA 93711 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $750 | $5K | 17.09% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMAN ROAD, #310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $409 | $2K | 6.71% |
| VILLANE WARD INSURANCE SERVICES3 Filed as: VILLANE WARD INSURANCE SERVICE | 5060 N.FRUIT AVENUE FRESNO, CA 93711 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $750 | $3K | 20.58% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMAN ROAD, #310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $672 | $168 | $840 | 6.32% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ADVANTEK BENEFIT ADMINISTRATORS | 513 | $2.0M |
| Dental(2 contracts, 2 carriers) | GREAT MIDWEST INSURANCE COMPANY | 207 | $719K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 392 | $34K |
| Life insurance(2 contracts, 2 carriers) | GREAT MIDWEST INSURANCE COMPANY | 275 | $577K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 274 | $30K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 275 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.