| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLAN FINANCIAL INC3 Filed as: PLAN FINANCIAL | 9 RIVER PARK PLACE EAST FRESNO, CA 93720 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 7.56% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER INSURANCE ASSOCIATES | 1753 EAST FIR AVENUE FRESNO, CA 93720 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.62% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 9795 GATEWAY DRIVE, ROOM 110 RENO, NV 89521 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $89 | $4K | 13.61% |
| WAYNE RIMMER3 Filed as: WAYNE P. SMITH | 402 WEST LOCKHART LANE MERIDIAN, ID 83646 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $277 | $0 | $277 | 0.87% |
| SANDRA HENDERSON3 | 3565 EVERGLADE AVENUE CLOVIS, CA 93619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $267 | $0 | $267 | 0.84% |
| PROSESSION INC3 Filed as: PROSESSION, INC. | 950 UNIVERSITY PARK LOOP NORTH RENO, NV 89512 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $58 | $249 | 0.78% |
| DANA GAYLE HOLLERN3 | 3171 PINERO COURT SPARKS, NV 89436 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | $0 | $216 | 0.68% |
| MJ INSURANCE3 Filed as: SCOTT ALLEN BEER AND VARIOUS AGENTS | 316 CROCKER STREET, UNIT A TEMPLETON, CA 93465 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 0.22% |
| SALVADOR HEREDIA3 | 700 EL CAMINITO LIVERMORE, CA 94550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.19% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 17.62% |
| JAMES G PARKER INS ASSOCIATES3 Filed as: JAMES G. PARKER INSURANCE ASSOC. | 1753 EAST FIR AVENUE FRESNO, CA 93720 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $2K | $3K | 9.17% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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 |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 319 | $132K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 319 | $132K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $63K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 20 | $32K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $63K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 121 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.