| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DER MANOUEL INSURANCE GROUP3 | 548 WEST CROMWELL AVENUE FRESNO, CA 93711 | SHARP HEALTH PLAN | $28K | $0 | $28K | 5.00% |
| DER MANOUEL INSURANCE GROUP3 | 548 WEST CROMWELL SUITE 101 FRESNO, CA 93711 | MEDIEXCEL HEALTH PLAN | $9K | $0 | $9K | 5.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 548 WEST CROMWELL AVENUE SUITE 101 FRESNO, CA 93711 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 970 RESERVE DRIVE SUITE 200 ROSEVILLE, CA 95678 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 3.21% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| DER MANOUEL INSURANCE GROUP3 | UNKNOWN FRESNO, CA 93711 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $0 | $4K | 10.06% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE & FINANCIAL | 548 WEST CROMWELL AVENUE SUITE 101 FRESNO, CA 93711 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $951 | $0 | $951 | 10.00% |
| DER MANOUEL INSURANCE GROUP3 | UNKNOWN FRESNO, CA 93711 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $629 | $0 | $629 | 9.77% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 84 | $723K |
| Dental(3 contracts, 3 carriers) | MEDIEXCEL HEALTH PLAN | 84 | $203K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 68 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 141 | $48K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 141 | $48K |
| Prescription drug(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 84 | $723K |
| Other | HARTFORD LIFE AND ACCIDENT | 141 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.