| 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 | $62K | — | $62K | 9.40% |
| BARRY W MAAS3 | 1272 W MORAGA ROAD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23K | $8K | $31K | 4.71% |
| THRESA NETTO PHILLIPS3 | 6219 S CLARA AVENUE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | $4K | $25K | 3.79% |
| ROSE RODRIQUEZ CUEVAS3 Filed as: ROSE RODRIGUEZ | 1675 S FRANKWOOD AVENUE REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $752 | $15K | 2.27% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $240 | $11K | 1.72% |
| RENE ANN MARTIN3 | 828 TOULOUSE LANE CLOVIS, CA 93619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $8K | 1.20% |
| BRENDA S HAMILTON3 Filed as: BRENDA SMITHSON HAMILTON | 37 BIRCH AVENUE CLOVIS, CA 93611 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.60% |
| WALTER R. REINHARDT INSURANCE3 | 499 W. SHAW AVENUE, #130 FRESNO, CA 937042516 | UNITED HEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 9.20% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DRIVE, #400S DALLAS, TX 752511800 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.92% |
| REINHARDT INSURANCE SERVICES3 | 499 W. SHAW AVENUE, #130 FRESNO, CA 93704 | HALCYON BEHAVIORAL, LLC | $5K | — | $5K | 5.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADVANTEK EIN 77-0382381 TPA | Plan Administrator Service code 14 | — | $403K |
| ANTHEM BLUE CROSS EIN 95-3760980 PPO PANEL FEES | Other fees Service code 99 | — | $306K |
| WALTER R REINHARDT INSURANCE AGENCY EIN 94-2528608 BROKER | Insurance agents and brokers Service code 22 | — | $234K |
| MULTIPLAN EIN 13-3068979 PPO REPRICING | Plan Administrator Service code 14 | — | $80K |
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 | 1,223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 2,750 | $267K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,800 | $762K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,750 | — |
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.