| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATES INS SVC INC | 5250 N PALM AVE, STE 403 FRESNO, CA 93704 | UNITED HEALTHCARE INSURANCE COMPANY | $280K | — | $280K | 5.49% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATES INS SVC INC | 5250 N PALM AVE, STE 403 FRESNO, CA 93704 | UNION SECURITY INSURANCE COMPANY | $28K | — | $28K | 5.89% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATES INS SVC INC | 5250 N PALM AVE, STE 403 FRESNO, CA 93704 | VISION SERVICE PLAN | $2K | — | $2K | 3.03% |
| ADMINISTRATIVE SOLUTIONS INC.3 Filed as: ADMINISTRATIVE SOLUTIONS INC | 555 W SHAW AVE, STE C1 FRESNO, CA 93704 | AMERITAS LIFE INSURANCE GROUP | $13K | — | $13K | — |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI & ASSOCIATES INS SVC INC | 5250 N PALM AVE, STE 403 FRESNO, CA 93704 | AMERITAS LIFE INSURANCE GROUP | $6K | $426 | $6K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERITAS LIFE INSURANCE GROUP EIN 47-0098400 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | PO BOX 81889 LINCOLN, NE 68501 | $38K |
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 | 571 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 937 | $5.1M |
| Dental | AMERITAS LIFE INSURANCE GROUP | 488 | $0 |
| Vision | VISION SERVICE PLAN | 485 | $67K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 571 | $470K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 571 | $470K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 937 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.