| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE AND FIN SRVCS | PO BOX 28906 FRESNO, CA 93729 | UHC | $63K | $0 | $63K | 4.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 548 WEST CROMWELL AVENUE, SUITE 101 FRESNO, CA 93711 | LINCOLN LIFE & AD&D | $1K | $0 | $1K | 7.56% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE AND FIN SRVCS | PO BOX 28906 FRESNO, CA 93729 | LINCOLN LIFE & AD&D | $1K | $0 | $1K | 7.44% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | LINCOLN LIFE & AD&D | $0 | $988 | $988 | 7.03% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE AND FIN SRVCS | UNKNOWN TERRA BELLA, CA 93720 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $608 | $0 | $608 | 6.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 167 ARCHER ROAD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $90 | $3K | 33.90% |
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 | 378 | 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) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UHC | 378 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 91 | $8K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 63 | $10K |
| Life insurance | LINCOLN LIFE & AD&D | 59 | $14K |
| Long-term disability | LINCOLN LIFE & AD&D | 59 | $14K |
| Prescription drug | UHC | 378 | $1.4M |
| Other | LINCOLN LIFE & AD&D | 59 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.