| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. AND FIN. SVCS. | 548 WEST CROMWELL AVENUE, SUIE 101 FRESNO, CA 93711 | CALIFORNIA PHYSICAIANS SERVICE | $26K | $0 | $26K | 5.00% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. AND FIN SVCS. | PO BOX 28906 FRESNO, CA 93729 | PREMIER ACCESS INSURANCE COMPANY | $4K | $0 | $4K | 7.99% |
| QUAILS AND ASSOCIATES INS. SVCES.3 | 1865 HERNDON AVENUE, SUITE 550 CLOVIS, CA 93611 | PREMIER ACCESS INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. AND FIN. SVCS. | 548 WEST CROMWELL AVENUE, SUITE 101 FRESNO, CA 93711 | THE GURADIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 13.00% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS, LLC | 333 INDIAN HILL BOULEVARD CLAREMONT, CA 91711 | THE GURADIAN LIFE INSURANCE COMPANY OF AMERICA | $64 | $0 | $64 | 0.26% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. AND FIN. SVCS. | 548 WEST CROMWELL AVENUE, SUITE 101 FRESNO, CA 93711 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $1K | $0 | $1K | 7.73% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. AND FIN. SVCS. | PO BOX 93729 FRESNO, CA 93729 | VISION SERVICE PLAN | $775 | $0 | $775 | 7.25% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICAIANS SERVICE | 526 | $521K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 193 | $50K |
| Vision | VISION SERVICE PLAN | 100 | $11K |
| Life insurance(2 contracts, 2 carriers) | THE GURADIAN LIFE INSURANCE COMPANY OF AMERICA | 526 | $39K |
| Prescription drug | CALIFORNIA PHYSICAIANS SERVICE | 188 | $521K |
| Other(2 contracts, 2 carriers) | THE GURADIAN LIFE INSURANCE COMPANY OF AMERICA | 526 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.