| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G. PARKER INSURANCE3 | 1753 E. FIR AVENUE FRESNO, CA 937203840 | AMERITAS LIFE INSURANCE CORPORATION | $7K | $698 | $8K | 6.28% |
| JAMES G. PARKER INSURANCE3 | 1753 E. FIR AVENUE FRESNO, CA 93720 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 10.00% |
| JAMES G. PARKER INSURANCE3 | 1753 E. FIR AVENUE FRESNO, CA 937203840 | BLUE SHIELD OF CALIFORNIA | $10K | — | $10K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CALIFORNIA PHYSICIANS SERVICE EIN 94-0360524 CONTRACT ADMIN FEE | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | 50 BEALE STREET SAN FRANCISCO, CA 94105 | $164K |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 0 | $0 |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 279 | $124K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 279 | $124K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 122 | $15K |
| Other | HARTFORD LIFE AND ACCIDENT | 122 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.