| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G PARKER INS ASSOCIATES3 | PO BOX 3947 FRESNO, CA 93650 | UNITED HEALTHCARE INSURANCE COMPANY | $53K | — | $53K | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 2110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | UNITED HEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 2.00% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G. PARKER INSURANCE ASSOCIATE | PO BOX 3947 FRESNO, CA 936503947 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 5.02% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGORA RD. WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 1.64% |
| JAMES G. PARKER INSURANCE3 | PO BOX 3947 FRESNO, CA 936503947 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $2K | $24K | 23.14% |
| JAMES G PARKER INS ASSOCIATES3 | PO BOX 3947 FRESNO, CA 93650 | UNITED HEALTHCARE OF CALIFORNIA | $2K | — | $2K | 5.00% |
| JAMES G PARKER INS ASSOCIATES3 | PO BOX 3947 FRESNO, CA 93650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 15.76% |
| JAMES G. PARKER INSURANCE3 | PO BOX 3947 FRESNO, CA 936503947 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $742 | $2K | 14.29% |
| JAMES G PARKER INS ASSOCIATES3 | PO BOX 3947 FRESNO, CA 93650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $808 | $2K | 15.75% |
| JAMES G PARKER INS ASSOCIATES3 | PO BOX 3947 FRESNO, CA 93650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $839 | $544 | $1K | 16.49% |
| JAMES G PARKER INS ASSOCIATES3 | PO BOX 3947 FRESNO, CA 93650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $327 | $334 | $661 | 20.20% |
| JAMES G PARKER INS ASSOCIATES3 | PO BOX 3947 FRESNO, CA 93650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $272 | $171 | $443 | 16.28% |
| JAMES G. PARKER INSURANCE3 | 1055 W. 7TH STREET LOS ANGELES, CA 90017 | HEALTH AND HUMAN RESOURCE CENTER | $20 | — | $20 | 4.91% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 124 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 171 | $105K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 171 | $105K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $14K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.