| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS LEE INSURANCE SERVICES INC3 Filed as: DENNIS LEE INSURANCE SERVICES INC. | 4688 W JENNIFER AVE FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $0 | $10K | 9.60% |
| BARRY W MAAS3 | 1272 W MORAGA RD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $639 | $5K | 4.85% |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA AVE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $261 | $4K | 3.79% |
| NORMITA JOHNSON3 | 9817 TUSCARORA DR BAKERSFIELD, CA 93312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 3.39% |
| MARIA GONZALES3 | 1972 N NADINE CLOVIS, CA 93619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $667 | $0 | $667 | 0.62% |
| CRYSTAL LYNN KNIGHT3 | 418 DUNKIRK CT BAKERSFIELD, CA 93312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $484 | $0 | $484 | 0.45% |
| DANIELLE CHRISTINE PHILLIPS3 | 517B NEVADA ST SAUSALITO, CA 94965 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | $10 | $354 | 0.33% |
| ROSE RODRIGUEZ CUEVAS3 | 1675 S FRANKWOOD AVE REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $184 | $3 | $187 | 0.17% |
| SUSIE A ESTRADA3 | 25742 PARK AVENUE SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| LORI ANN BURNS3 | 1558 NORTH OXFORD AVE CLOVIS, CA 93619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| VGM BENEFIT ENROLLMENTS LLC3 | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| SANDRA E GONZALEZ3 | 2037 W BULLARD AVE FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| VINCENT GERARD MCLAUGHLIN3 Filed as: VINCENT GERARD MCLAUGLIN | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| PBI INSURANCE SERVICES, LLC3 | 4688 WEST JENNIFER AVE FRESNO, CA 93722 | HARTFORD LIFE AND ACCIDENT | $66K | $0 | $66K | — |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $0 | $30K | $30K | — |
| DENNIS LEE INSURANCE SERVICES INC3 Filed as: DENNIS LEE INSURANCE SERVICES | 4688 WEST JENNIFER AVE. FRESNO, CA 93722 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | — |
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 | 1,055 | 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) | 1,055 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,055 | $0 |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,055 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,055 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.