| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INS BROKERS LLC | PO BOX 5479 FRESNO, CA 93755 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | $27K | $75K | 13.39% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INS BROKERS | 6873 N. WEST AVE. SUITE 108 FRESNO, CA 93711 | KAISER FOUNDATION HEALTH PLAN INC | $22K | — | $22K | 5.01% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INS BROKERS LLC | PO BOX 5479 FRESNO, CA 93755 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 5.49% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 S 3RD ST STE 800 COLUMBUS, OH 43215 | METROPOLITAN LIFE INSURANCE COMPANY | $221 | — | $221 | 0.21% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INS BROKERS LLC | PO BOX 5479 FRESNO, CA 93755 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.21% |
| 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 | $84 | — | $84 | 0.12% |
| WILLIE RILEY3 Filed as: WILLIE J RILEY | PO BOX 6836 SAN JOSE, CA 95150 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| ELTHON ISRAEL CRUZ3 Filed as: ELTHON I CRUZ | 3800 W DEVONSHIRE AVE D-112 HEMET, CA 92545 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| WILLIE JOHN RILEY3 | PO BOX 6836 SAN JOSE, CA 95148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| REGINALD J. RILEY3 Filed as: REGINALD J RILEY | 3604 COBBERT DR SAN JOSE, CA 95148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JUDY PIPKIN3 Filed as: JUDY ANN PIPKIN | PO BOX 6836 SAN JOSE, CA 95150 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JETRENEE C. CHAPMAN3 Filed as: JETRENEE C CHAPMAN | 4205 STAR RIDGE RD HAYWARD, CA 94542 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WENNDY R. CORTEZ3 Filed as: WENNDY R CORTEZ | 3133 LANIER DR CORPUS CHRISTI, TX 78415 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 460 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 168 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $103K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $103K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $172K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.