| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE AND FINANCE3 | 548 WEST CROMWELL AVENUE, SUITE 101 FRESNO, CA 93711 | CALIFORNIA PHYSICIANS SERVICE | $28K | $1K | $29K | 5.61% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. AND FIN. SVCS. INC | PO BOX 28906 FRESNO, CA 93729 | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 5.16% |
| QUALLS & ASSOCIATES INSURANCE3 Filed as: QUALLS AND ASSOC. INS. SVCS., INC. | 1865 HERNDON AVENUE, SUITE 550 CLOVIS, CA 93611 | PREMIER ACCESS INSURANCE COMPANY | $858 | — | $858 | 1.67% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. AND FIN. SVCES INC | 548 WEST CROMWELL, SUITE 101 FRESNO, CA 93711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.00% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS, LLC | 333 INDIAN HILL BOULEVARD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $229 | — | $229 | 0.98% |
| DER MANOUEL INSURANCE GROUP3 | PO BOX 28906 FRESNO, CA 93729 | VISION SERVICE PLAN | $599 | — | $599 | 5.44% |
| INSURANCE AND FINANCE3 | 548 WEST CROMWELL AVENUE, SUITE 101 FRESNO, CA 93711 | BLUE SHIELD OF CALIFORNIA LIFE AND HEALTH INSURANCE COMPANY | $668 | — | $668 | 10.15% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 177 | $513K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 172 | $51K |
| Vision | VISION SERVICE PLAN | 94 | $11K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $30K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 177 | $513K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.