| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI AND ASSOCIATES INS. SVS. | 5250 PALM AVENUE, SUITE 403 FRESNO, CA 93704 | UNITEDHEALTHCARE INSURANCE COMPANY | $94K | $0 | $94K | 2.59% |
| LOCKTON COMPANIES, LLC3 | 755 BAYWOOD DRIVE, 2ND FLOOR PETALUMA, CA 94954 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | $0 | $49K | 1.36% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI AND ASSOCIATES INS. SVS. | 5250 PALM AVENUE, SUITE 403 FRESNO, CA 93704 | COMMUNITY CARE HEALTH INC | $60K | $0 | $60K | 2.35% |
| LOCKTON COMPANIES, LLC3 | 755 BAYWOOD DRIVE, 2ND FLOOR PETALUMA, CA 94954 | COMMUNITY CARE HEALTH INC | $42K | $0 | $42K | 1.63% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI AND ASSOCIATES INS. SVS. | 5250 NORTH PALM AVENUE, SUITE 403 FRESNO, CA 93704 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 1.38% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI AND ASSOCIATES INS. SVS. | 5250 PALM AVENUE, SUITE 403 FRESNO, CA 93704 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 0.78% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.46% |
| BARTHULI & ASSOCIATES INSURANCE3 Filed as: BARTHULI AND ASSOCIATES INS. SVS. | 5250 NORTH PALM AVENUE, SUITE 403 FRESNO, CA 93704 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.26% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | VISION SERVICE PLAN | $421 | $0 | $421 | 0.54% |
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 | 632 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 683 | $6.2M |
| Vision | VISION SERVICE PLAN | 544 | $77K |
| Life insurance | STANDARD INSURANCE COMPANY | 799 | $431K |
| Long-term disability | STANDARD INSURANCE COMPANY | 799 | $431K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 683 | $6.2M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 799 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 799 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.