| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INS BROKERS | 6873 N. WEST AVE. SUITE 108 FRESNO, CA 93711 | KAISER FOUNDATION HEALTH PLAN INC | $28K | — | $28K | 5.40% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INS BROKERS LLC | PO BOX 5479 FRESNO, CA 93755 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | $14K | $51K | 16.44% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INS BROKERS LLC | PO BOX 5479 FRESNO, CA 93755 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 6.22% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INS BROKERS LLC | PO BOX 5479 FRESNO, CA 93755 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 14.03% |
| EDWARD S. RICE JR.3 Filed as: EDWARD S RICE JR | 4050 KATELLA AVE, SUITE 213 LOS ALAMITOS, CA 90720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $241 | — | $241 | 0.44% |
| DUANE M. BAUTISTA3 Filed as: DUANE BAUTISTA | 6 CANDLEWOOD LANE ALISO VIEJO, CA 92656 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| EDGAR V. AGUILAR3 Filed as: EDGAR V AGUILAR | P.O. BOX 4108 SAN CLAMENTE, CA 92674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
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 | 326 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 130 | $885K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 326 | $136K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 326 | $136K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 326 | $191K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 326 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.