| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE & FINANCE | 548 WEST CROMWELL AVE. SUITE 101 FRESNO, CA 93711 | CALIFORNIA PHYSICIANS SERVICE | $41K | $975 | $42K | 5.12% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE | PO BOX 28906 FRESNO, CA 93729 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 6.93% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE & FINANCE | 548 WEST CROMWELL AVENUE SUITE 101 FRESNO, CA 93711 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $958 | — | $958 | 9.99% |
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 | 98 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 99 | $830K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $105K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $105K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $114K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 99 | $830K |
| Other | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | 275 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.