| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACK EDWARD AHART3 | 2551 WEST LOCUST AVE FRESNO, CA 93711 | AETNA LIFE INSURANCE COMPANY | $35K | — | $35K | 4.55% |
| AHART INSURANCE SERVICES3 Filed as: AHART INSURANCE SOLUTIONS INC. | 2551 W LOCUST AVENUE FRESNO, CA 93711 | METROPOLITAN LIFE INSURANCE COMPANY (SUPERIOR VISION) | $519 | — | $519 | 6.77% |
| WALTER R. REINHARDT INSURANCE3 Filed as: WALTER REINHARDT INSURANCE AGENCY | 499 W SHAW, #130 FRESNO, CA 93704 | METROPOLITAN LIFE INSURANCE COMPANY (SUPERIOR VISION) | $190 | — | $190 | 2.48% |
| JACK EDWARD AHART3 Filed as: JACK E AHART | 2551 W LOCUST FRESNO, CA 93711 | THE HARTFORD | $654 | — | $654 | 11.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NAVIA BENEFIT SOLUTIONS, INC. EIN 84-2448884 CLAIMS ADMIN | Claims processing Service code 12 | — | $12K |
| AMERITAS EIN 47-0098400 6561.00 | Claims processing Service code 12 | — | $0 |
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 | 168 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 83 | $774K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY (SUPERIOR VISION) | 102 | $8K |
| Life insurance | THE HARTFORD | 168 | $6K |
| Other | THE HARTFORD | 168 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.