| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALTER R. REINHARDT INSURANCE3 Filed as: WALTER R. REINHARDT INSURANCE AGCY | 499 W SHAW AVENUE FRESNO, CA 93704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66K | — | $66K | 9.62% |
| BARRY W MAAS3 | 1272 W MORAGA ROAD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29K | $13 | $29K | 4.23% |
| THRESA NETTO PHILLIPS3 | 6219 S CLARA AVENUE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26K | $182 | $26K | 3.77% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19K | $2K | $21K | 3.05% |
| ROSE RODRIQUEZ CUEVAS3 Filed as: ROSE RODRIGUEZ | 1675 S FRANKWOOD AVENUE REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $2K | $17K | 2.46% |
| RENE ANN MARTIN3 | 828 TOULOUSE LANE CLOVIS, CA 93619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 0.91% |
| BRENDA S HAMILTON3 Filed as: BRENDA SMITHSON HAMILTON | 37 BIRCH AVENUE CLOVIS, CA 93611 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.34% |
| WALTER R. REINHARDT INSURANCE3 | 499 W. SHAW AVENUE, #130 FRESNO, CA 937042516 | UNITED HEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DRIVE, #400S DALLAS, TX 752511800 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 1.00% |
| WALTER R. REINHARDT INSURANCE3 Filed as: WALTER R REINHARDT INSURANCE AGENCY | 499 W SHAW AVE FRESNO, CA 93704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.67% |
| BARRY W MAAS3 | 1272 W MORAGA ROAD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $345 | — | $345 | 0.61% |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA AVENUE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | $1 | $345 | 0.61% |
| RENE ANN MARTIN3 | 828 TOULOUSE LANE CLOVIS, CA 93619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.20% |
| PAMELA KAY LONG3 | 200 S. LEXINGTON DRIVE FOLSOM, CA 95630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $1 | $14 | 0.02% |
| GRAND GUILLORY3 | 5116 FURLONG WAY ANTIOCH, CA 94531 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| WALTER R. REINHARDT INSURANCE3 Filed as: WALTER R REINHARDT INSURANCE AGENCY | 499 W SHAW AVENUE FRESNO, CA 93704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 9.21% |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA AVENUE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $785 | $6 | $791 | 5.54% |
| BARRY W MAAS3 | 1272 W MORAGA ROAD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $566 | — | $566 | 3.97% |
| ROSE RODRIQUEZ CUEVAS3 Filed as: ROSE RODRIGUEZ | 1675 S FRANKWOOD AVENUE REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $317 | $54 | $371 | 2.60% |
| RENE ANN MARTIN3 | 828 TOULOUSE LANE CLOVIS, CA 93619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 0.90% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.78% |
| BRENDA S HAMILTON3 Filed as: BRENDA SMITHSON HAMILTON | 37 BIRCH AVENUE CLOVIS, CA 93611 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.04% |
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 | 1,078 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,083 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 3,062 | $280K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,800 | $862K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,062 | — |
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.