| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 EAST RIVER PARK PLACE WEST SUITE 605 FRESNO, CA 93720 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 4.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC | $15K | $263 | $15K | 4.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 EAST RIVER PARK PLACE WEST SUITE 605 FRESNO, CA 93720 | HUMANADENTAL INSRUANCE COMPANY | $3K | $0 | $3K | 4.90% |
| RICHARD BLAINE HUBER3 | PO BOX 7220 REDLANDS, CA 92375 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 24.98% |
| COASTAL INSURANCE SERVICES3 | 25202 CRENSHAW BOULEVARD SUITE 209 TORRANCE, CA 90505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.19% |
| RICHARD BLAINE HUBER3 | PO BOX 7220 REDLANDS, CA 92375 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.72% |
| COASTAL INSURANCE SERVICES3 | 25202 CRENSHAW BOULEVARD SUITE 209 TORRANCE, CA 90505 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $546 | $0 | $546 | 5.53% |
| CHIMIENTI & ASSOCIATES3 Filed as: CHIMIENTI & ASSOC. INSURANCE SVCS. | 3400 WEST MINERAL KING AVENUE SUITE B VISALIA, CA 93291 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $176 | $0 | $176 | 1.78% |
| NATIONAL BENEFIT PARTNERS3 | 23282 MILL CREEK DRIVE SUITE 390 LAGUNA HILLS, CA 92653 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | $0 | $81 | 0.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $740 | $0 | $740 | 7.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 EAST RIVER PARK PLACE WEST SUITE 605 FRESNO, CA 93720 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $129 | $0 | $129 | 3.99% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $865K |
| Dental | HUMANADENTAL INSRUANCE COMPANY | 107 | $59K |
| Vision | VISION SERVICE PLAN | 71 | $10K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $28K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $865K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 171 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.