| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 548 WEST CROMWELL AVENUE, SUITE 101 FRESNO, CA 93711 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 4.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 NORTH LA SALLE DRIVE 17TH FLOOR CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.63% |
| MALCOLM J LEROUX JR3 | 1019 CURISHA POINT NORTH SAINT HELENA ISLAND, SC 29920 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 3.50% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $378 | $378 | 0.50% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS & FIN SVCS., INC | PO BOX 28906 FRESNO, CA 93729 | BLUE CROSS OF CALIFORNIA | $8K | $0 | $8K | 41.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES INC | PO BOX 3310 SANTA BARBARA, CA 93130 | BLUE CROSS OF CALIFORNIA | — | $779 | $779 | 3.89% |
| V.L. GUNDERSON CONSULTING, INC.3 | 548 WEST CROMWELL AVENUE SUITE 101 FRESNO, CA 93711 | TELADOC | $105 | $0 | $105 | 7.43% |
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 | 320 | 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) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 15 | $77K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $134K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $134K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 320 | $20K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 4 | $76K |
| Other | BLUE CROSS OF CALIFORNIA | 320 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.