| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS LEE INSURANCE SERVICES INC3 Filed as: DENNIS LEE | 4688 W JENNIFER STE 103 FRESNO, CA 93722 | HARTFORD LIFE AND ACCIDENT | $54K | — | $54K | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 4851 LBJ FREEWAY STE 100 DALLAS, TX 75244 | HARTFORD LIFE AND ACCIDENT | — | $22K | $22K | — |
| WALTER MORTENSEN INSURANCE3 Filed as: WALTER MORTENSEN INS. | 8500 STOCKDALE HIGHWAY SUITE 200 BAKERSFIELD, CA 93311 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | — |
| BARRY W MAAS3 Filed as: BARRY W. MAAS | P.O. BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| DENNIS LEE INSURANCE SERVICES INC3 Filed as: DENNIS LEE INSURANCE SERVICES, INC. | 4688 W. JENNFIER AVE. FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| CRYSTAL LYNN KNIGHT3 | 11909 KENSETH ST BAKERSFIELD, CA 93312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| KASANDRA S. WERNHART3 | 6049 OASIS AVE. BAKERSFIELD, CA 93307 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| THERESA NETTO PHILLIPS3 Filed as: THERESA N. PHILLIPS | 6219 S. CLARA FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| LORI ANN BURNS3 | 1558 N. OXFORD AVE. FRESNO, CA 93619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
| DAN ALAN WEBB3 | 5373 TRUXTON AVE. BAKERSFILED, CA 93309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | — |
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 | 1,017 | 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) | 1,017 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,017 | $0 |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 960 | $0 |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,017 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,017 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.