| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G PARKER INS ASSOCIATES3 Filed as: JAMES G. PARKER INSURANCE ASSOC. | 1753 E FIR AVE FRESNO, CA 93720 | BLUE SHIELD | $3K | — | $3K | 0.34% |
| JAMES G. PARKER INSURANCE3 | 1753 E. FIR AVENUE FRESNO, CA 937203840 | AMERITAS LIFE INSURANCE CORPORATION | $8K | $3K | $11K | 8.19% |
| JAMES G. PARKER INSURANCE3 | 1753 E. FIR AVENUE FRESNO, CA 93720 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CALIFORNIA PHYSICIANS SERVICE EIN 94-0360524 CONTRACT ADMIN FEE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 13 | 50 BEALE STREET SAN FRANCISCO, CA 94105 | $134K |
| JAMES G. PARKER INS ASSOCIATES EIN 94-2494444 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 1753 E FIR FRESNO, CA 93720 | $62K |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 268 | $135K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 268 | $135K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 119 | $15K |
| Stop-loss / reinsurancereinsurance | BLUE SHIELD | 115 | $780K |
| Other | HARTFORD LIFE AND ACCIDENT | 119 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.