| 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 | $83K | — | $83K | 9.82% |
| BARRY W MAAS3 | 1272 W MORAGA ROAD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31K | $4K | $36K | 4.22% |
| THRESA NETTO PHILLIPS3 | 6219 S CLARA AVENUE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28K | $806 | $29K | 3.44% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | $2K | $23K | 2.76% |
| ROSE RODRIQUEZ CUEVAS3 Filed as: ROSE RODRIGUEZ | 1675 S FRANKWOOD AVENUE REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17K | $353 | $17K | 2.03% |
| RENE ANN MARTIN3 | 828 TOULOUSE LANE CLOVIS, CA 93619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 1.09% |
| BRENDA S HAMILTON3 Filed as: BRENDA SMITHSON HAMILTON | 37 BIRCH AVENUE CLOVIS, CA 93611 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.37% |
| WALTER R. REINHARDT INSURANCE3 | 499 W. SHAW AVENUE, #130 FRESNO, CA 937042516 | UNITED HEALTHCARE INSURANCE COMPANY | $30K | — | $30K | 10.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DRIVE, #400S DALLAS, TX 752511800 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 1.08% |
| REINHARDT INSURANCE SERVICES3 | 499 W. SHAW AVENUE, #130 FRESNO, CA 93704 | HALCYON BEHAVIORAL, LLC | — | $5K | $5K | 5.24% |
| WALTER R. REINHARDT INSURANCE3 Filed as: WALTER R REINHARDT INSURANCE AGENCY | 499 W SHAW AVE FRESNO, CA 93704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 6.04% |
| BARRY W MAAS3 | 1272 W MORAGA ROAD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $548 | $29 | $577 | 0.66% |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA AVENUE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $547 | $6 | $553 | 0.64% |
| RENE ANN MARTIN3 | 828 TOULOUSE LANE CLOVIS, CA 93619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 0.23% |
| ROSE RODRIQUEZ CUEVAS3 | 1675 S FRANKWOOD AVENUE REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| PAMELA KAY LONG3 | 200 S. LEXINGTON DRIVE FOLSOM, CA 95630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| 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 | 10.04% |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA AVENUE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $751 | $28 | $779 | 7.46% |
| BARRY W MAAS3 | 1272 W MORAGA ROAD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $463 | $75 | $538 | 5.15% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $156 | — | $156 | 1.49% |
| ROSE RODRIQUEZ CUEVAS3 Filed as: ROSE RODRIGUEZ | 1675 S FRANKWOOD AVENUE REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $3 | $145 | 1.39% |
| RENE ANN MARTIN3 | 828 TOULOUSE LANE CLOVIS, CA 93619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 1.29% |
| BRENDA S HAMILTON3 Filed as: BRENDA SMITHSON HAMILTON | 37 BIRCH AVENUE CLOVIS, CA 93611 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADVANTEK EIN 77-0382381 TPA | Plan Administrator Service code 14 | — | $417K |
| ANTHEM BLUE CROSS EIN 95-3760980 PPO PANEL FEES | Other fees Service code 99 | — | $329K |
| MULTIPLAN EIN 13-3068979 PPO REPRICING | Plan Administrator Service code 14 | — | $69K |
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 | 1,110 | 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) | 1,114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 3,036 | $278K |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,800 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,036 | — |
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.