| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PBT INSURANCE SERVICES LLC3 Filed as: PBT INSURANCE SERVICES, LLC | 4688 W. JENNIFER AVE., STE 103 FRESNO, CA 83722 | HARTFORD LIFE AND ACCIDENT | $83K | $0 | $83K | 12.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 12404 PARK CENTRAL DR., STE. 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $0 | $35K | $35K | 5.00% |
| DENNIS LEE INSURANCE SERVICES INC3 Filed as: DENNIS LEE INSURANCE SERVICES | 4688 W JENNIFER, STE. 103 FRESNO, CA 93722 | HARTFORD LIFE AND ACCIDENT | -$83 | $0 | -$83 | -0.01% |
| DENNIE LEE INSURANCE SERVICES INC.3 | 4688 W. JENNIFER AVE., STE. 103 FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 7.47% |
| CHIMIENTI & ASSOCIATES3 | 3400 WEST MINERAL KING AVE. VISALIA, CA 93291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.90% |
| BARRY W MAAS3 Filed as: BARRY W. MAAS | 1272 W. MORAGA RD. FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $41 | $2K | 2.03% |
| THERESA NETTO PHILLIPS3 | 6219 S. CLARA AVE. FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $19 | $1K | 1.59% |
| PATRICIA JOANNE BENKOWSKI3 | 4688 W. JENNIFER AVE., STE. 103 FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.52% |
| STEPHANIE NOELLE KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $290 | $200 | $490 | 0.58% |
| CASEY JAMES KUGLER3 | 21068 VALLEY DR. ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $387 | $478 | 0.57% |
| BRIAN ROBERT LLOYD3 | 3053 COPPERWOOD WAY EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $323 | $413 | 0.49% |
| CRYSTAL LYNN JONES3 | 16117 BUFFALO DRIVE MOORE, OK 73170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $299 | $0 | $299 | 0.36% |
| NORMITA JOHNSON3 | 9817 TUSCARORA DR. BAKERSFIELD, CA 93312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | $0 | $156 | 0.19% |
| ROSE RODRIQUEZ CUEVAS3 | 1675 S. FRANKWOOD AVE. REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $0 | $100 | 0.12% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE. WOODLAND HILLS, CA 91367 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.03% |
| MCCAREY INC3 Filed as: MCCAREY INC. | 6320 GREENHAVEN DR. CARLSBAD, CA 92009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| DANA MARIE MOWATT3 | 23701 S. WESTERN AVE., STE. 112 TORANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LN PLACERVILLE, CA 95667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| LISA ANN MCLAUGHLIN3 | 30310 HORSETHIEF DR. TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 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 | 1,171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,922 | $691K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,922 | $798K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,922 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.