| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G. PARKER INSURANCE ASSOCIATE | PO BOX 3947 FRESNO, CA 93650 | UNITEDHEALTHCARE INSURANCE COMPANY | $97K | $0 | $97K | 4.13% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G. PARKER INSURANCE ASSOCIATE | PO BOX 3947 FRESNO, CA 93650 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.05% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G. PARKER INSURANCE ASSOCIATE | 1753 EAST FIR AVENUE FRESNO, CA 93650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.23% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G. PARKER INSURANCE ASSOCIATE | 1753 EAST FIR AVENUE FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.77% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G. PARKER INSURANCE ASSOCIATE | PO BOX 3947 FRESNO, CA 93650 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.94% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G. PARKER INSURANCE ASSOCIATE | 1753 EAST FIR AVENUE FRESNO, CA 93720 | FIDELITY SECURITY LIFE | $950 | $0 | $950 | 15.00% |
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 | 359 | 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) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 309 | $2.3M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 315 | $128K |
| Vision | VISION SERVICE PLAN | 322 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 359 | $75K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 309 | $2.3M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 359 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.