| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DER MANOUEL INSURANCE GROUP3 | 548 WEST CROMWELL AVENUE FRESNO, CA 93711 | SHARP HEALTH PLAN | $21K | $0 | $21K | 5.00% |
| DER MANOUEL INSURANCE GROUP3 | 548 WEST CROMWELL AVENUE FRESNO, CA 93711 | MEDIEXCEL HEALTH PLAN | $8K | $0 | $8K | 7.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $4K | $2K | $6K | 15.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 470 PARK AVENUE SOUTH, FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $311 | $311 | 0.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATATIONAL INS. SVCES, INC | 548 WEST CROMWELL AVENUE, SUITE 101 FRESNO, CA 93711 | HARTFORD LIFE AND ACCIDENT | -$2 | $0 | -$2 | -0.00% |
| DER MANOUEL INSURANCE GROUP3 | 548 WEST CROMWELL AVENUE FRESNO, CA 93711 | SHARP HEALTH PLAN | $2K | $0 | $2K | 5.00% |
| DER MANOUEL INSURANCE GROUP3 | 548 WEST CROMWELL AVENUE FRESNO, CA 93711 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $0 | $4K | 10.13% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DEL MANOUEL INSURANCE GROUP | UNKNOWN FRESNO, CA 93711 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $0 | $1K | 9.53% |
| DER MANOUEL INSURANCE GROUP3 | UNKNOWN SAN DIEGO, CA 92102 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $826 | $0 | $826 | 10.00% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | SHARP HEALTH PLAN | 122 | $561K |
| Dental(2 contracts) | UNITED CONCORDIA INSURANCE COMPANY | 77 | $51K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 120 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 137 | $40K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 137 | $40K |
| Prescription drug(3 contracts, 2 carriers) | SHARP HEALTH PLAN | 122 | $561K |
| Other | HARTFORD LIFE AND ACCIDENT | 137 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.