| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G. PARKER INSURANCE3 | P. O. BOX 3947 FRESNO, CA 93650 | PREMIER ACCESS INSURANCE COMPANY | $4K | — | $4K | 3.30% |
| JAMES G. PARKER INSURANCE3 | 1753 E. FIR AVENUE FRESNO, CA 93720 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 10.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATION INSURANCE | 3636 AMERICAN RIVER DRIVE SACRAMENTO, CA 95864 | HARTFORD LIFE AND ACCIDENT | -$4 | — | -$4 | -0.03% |
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 | 140 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 280 | $109K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 149 | $14K |
| Stop-loss / reinsurancereinsurance | BLUE SHIELD OF CALIFORNIA | 255 | $779K |
| Other | HARTFORD LIFE AND ACCIDENT | 149 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.