| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE & FIN SVCES | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN | $7K | $0 | $7K | 4.74% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE & FIN SVCES | PO BOX 28906 FRESNO, CA 93729 | PREMIER ACCESS INSURANCE COMPANY (4338) | $2K | $0 | $2K | 5.21% |
| FRESNO AGENT SERVICES TEAM, INC.3 | 7948 NORTH MAPLE AVENUE, SUITE 103 FRESNO, CA 93720 | PREMIER ACCESS INSURANCE COMPANY (4338) | $203 | $0 | $203 | 0.43% |
| FRESNO AGENT SERVICES TEAM, INC.3 | 7948 NORTH MAPLE SUITE 103 FRESNO, CA 93720 | ANTHEM BLUE CROSS OF CALIFORNIA (VISION) | $134 | $0 | $134 | 1.09% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE & FIN SVCES | PO BOX 28906 FRESNO, CA 93729 | PREMIER ACCESS INSURANCE COMPANY (13233) | $458 | $0 | $458 | 5.16% |
| FRESNO AGENT SERVICES TEAM, INC.3 | 7948 NORTH MAPLE AVENUE, SUITE 103 FRESNO, CA 93720 | PREMIER ACCESS INSURANCE COMPANY (13233) | $60 | $0 | $60 | 0.68% |
| UNKNOWN3 | UNKNOWN FRESNO, CA 93727 | THE HOLMAN GROUP | $134 | $0 | $134 | 5.98% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TELADOC | 115 | $333K |
| Dental(2 contracts, 2 carriers) | PREMIER ACCESS INSURANCE COMPANY (4338) | 115 | $56K |
| Vision | ANTHEM BLUE CROSS OF CALIFORNIA (VISION) | 120 | $12K |
| Prescription drug(2 contracts, 2 carriers) | TELADOC | 115 | $333K |
| Other | THE HOLMAN GROUP | 147 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.