| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | 6873 N. WEST AVENUE, #108 FRESNO, CA 937114308 | KAISER FOUNDATION HEALTH PLAN INC. | $29K | $3 | $29K | 6.48% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | P. O. BOX 5479 FRESNO, CA 93711 | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | $5K | — | $5K | 9.94% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | 6873 N. WEST AVENUE, #101 FRESNO, CA 937114308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | 6873 N. WEST AVENUE, #108 FRESNO, CA 937114308 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $379 | — | $379 | 2.74% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | 6873 N. WEST AVENUE, #101 FRESNO, CA 937114308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | 6873 N. WEST AVENUE, #101 FRESNO, CA 937114308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| ACRISURE LLC3 Filed as: DIBUDUO & DEFENDIS INSURANCE | 6873 N. WEST AVENUE, #101 FRESNO, CA 937114308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $747 | — | $747 | 19.99% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 103 | $453K |
| Dental | LIBERTY DENTAL PLAN OF CALIFORNIA, INC. | 155 | $53K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 131 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 18 | $8K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.