| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G. PARKER INSURANCE3 | 1753 E. FIR AVENUE FRESNO, CA 937203840 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $59K | $7K | $66K | 21.75% |
| JAMES G. PARKER INSURANCE3 | P. O. BOX 3947 FRESNO, CA 93650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JAMES G. PARKER INSURANCE3 | 1753 E. FIR AVENUE FRESNO, CA 937203840 | AMERITAS LIFE INSURANCE | $6K | $57 | $6K | 31.25% |
| JAMES G. PARKER INSURANCE3 | P. O. BOX 3947 FRESNO, CA 93650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| JAMES G. PARKER INSURANCE3 | P. O. BOX 3947 FRESNO, CA 93650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $858 | — | $858 | 10.01% |
| JAMES G. PARKER INSURANCE3 | P.. O. BOX 3947 FRESNO, CA 93650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 19.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 ADMIN FEES | Participant communication; Float revenue; Named fiduciary; Contract Administrator; Non-monetary compensation; Claims processing; Other services; Direct payment from the plan Service code 12 | — | $51K |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 402 | $303K |
| Dental | AMERITAS LIFE INSURANCE | 235 | $18K |
| Vision | AMERITAS LIFE INSURANCE | 235 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $9K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.