| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PBT INSURANCE SERVICES LLC3 Filed as: PBT INSURANCE SERVICES, LLC | 4688 W JENNIFER AVE #103 FRESNO, CA 93722 | HARTFORD LIFE AND ACCIDENT | $77K | $0 | $77K | 12.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $0 | $32K | $32K | 5.00% |
| DENNIS LEE INSURANCE SERVICES INC3 Filed as: DENNIS LEE INSURANCE SERVICES | 4688 W JENNIFER #103 FRESNO, CA 93722 | HARTFORD LIFE AND ACCIDENT | -$40 | $0 | -$40 | -0.01% |
| DENNIS LEE INSURANCE SERVICES INC3 Filed as: DENNIS LEE INSURANCE SERVICES INC. | 4688 W JENNIFER AVE FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 8.24% |
| BARRY W MAAS3 | 1272 W. MORAGA RD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $509 | $3K | 3.30% |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA AVE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $246 | $2K | 2.49% |
| NORMITA JOHNSON3 | 9817 TUSCARORA DR BAKERSFIELD, CA 93312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.50% |
| CRYSTAL LYNN JONES3 | 16117 BUFFALO DRIVE MOORE, OK 73170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $350 | $0 | $350 | 0.37% |
| CHIMIENTI & ASSOCIATES3 | 3400 WEST MINERAL KING AVE VISALIA, CA 93291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $223 | $0 | $223 | 0.23% |
| PATRICIA JOANNE BENKOWSKI3 | 4688 W JENNIFER AVE SUITE 103 FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | $0 | $119 | 0.12% |
| ROSE RODRIGUEZ CUEVAS3 | 1675 S FRANKWOOD AVE REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $0 | $113 | 0.12% |
| MARIA GONZALES3 | 1972 N NADINE CLOVIS, CA 93619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 0.07% |
| DANIELLE CHRISTINE PHILLIPS3 | 517B NEVADA ST SAUSALITO, CA 94965 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.06% |
| STEPHANIE NOELLE KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $13 | $40 | 0.04% |
| CASEY JAMES KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $18 | $26 | 0.03% |
| BRIAN ROBERT LLOYD3 | 3053 COPPERWOOD WAY EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $15 | $23 | 0.02% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,977 | $645K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,977 | $645K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,977 | $740K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,977 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.