| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS AND FINANCIAL SRVS | PO BOX 28906 FRESNO, CA 93729 | ANTHEM BLUE CROSS | $30K | $0 | $30K | 3.66% |
| BUCKMAN MITCHELL FIN AND INS SVCES.3 Filed as: BUCKMAN-MITCHELL FINANCIAL AND INS | PO BOX 629 VISALIA, CA 93279 | ANTHEM BLUE CROSS | $3K | $0 | $3K | 0.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 4371 LATHAM STREET SUITE 101 RIVERSIDE, CA 92501 | ANTHEM BLUE CROSS | $0 | $559 | $559 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3390 UNIVERSITY AVENUE SUITE 300 RIVERSIDE, CA 92501 | ANTHEM BLUE CROSS | $0 | $210 | $210 | 0.03% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS AND FINANCIAL SRVS | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN INC | $30K | $1 | $30K | 4.78% |
| BUCK-MITCHELL, INC.3 | 500 NORTH SANTA FE STREET VISALIA, CA 93292 | KAISER FOUNDATION HEALTH PLAN INC | $141 | $0 | $141 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 4371 LATHAM STREET SUITE 101 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 8.74% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 167 ARCHER ROAD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.17% |
| TAMARA HARVELL3 | 2430 NORTH SILVERVALE COURT VISALIA, CA 93291 | AFLAC | $2K | $105 | $2K | 3.74% |
| MJ INSURANCE3 Filed as: JENNIFER BRIDGES AND VARIOUS AGENTS | 2527 EAST VICTOR AVENUE VISALIA, CA 93292 | AFLAC | $1K | $109 | $1K | 1.93% |
| TREVE D RASMUSSEN3 | 430 WEST CALDWELL AVENUE SUITE C VISALIA, CA 93277 | AFLAC | $965 | $43 | $1K | 1.74% |
| BUCK-MITCHELL, INC.3 | 500 NORTH SANTA FE STREET VISALIA, CA 93292 | AFLAC | $1K | $0 | $1K | 1.73% |
| FRAN E HERR3 | 3130 WEST MAIN STREET SUITE D VISALIA, CA 93291 | AFLAC | $574 | $22 | $596 | 1.03% |
| IRMA ESPINOZA3 | 519 W TAYLOR STREET SPACE 214 SANTA MARIA, CA 93458 | AFLAC | $545 | $0 | $545 | 0.94% |
| BUCKMAN MITCHELL FIN AND INS SVCES.3 Filed as: BUCKMAN MITCHELL EMPLOYEE BENEFITS | PO BOX 629 VISALIA, CA 93279 | AFLAC | $284 | $0 | $284 | 0.49% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE AND FINANCIAL | 548 WEST CROMWELL AVENUE FRESNO, CA 93711 | FIDELITY SECURITY LIFE | $4K | $0 | $4K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH SANTA FE VISALIA, CA 93292 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $444 | $0 | $444 | 5.66% |
| DIANE MARIE EKIZIANKASABIAN3 | 10590 EAST DUCKPOINT WAY CLOVIS, CA 93619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $257 | $0 | $257 | 3.28% |
| NANCY JEAN HAGOPIAN3 | 4594 NORTH OUTLOOK COURT CLOVIS, CA 93619 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $213 | $0 | $213 | 2.72% |
| THERESA NETTO PHILLIPS3 | 6219 SOUTH CLARA FRESNO, CA 97306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.91% |
| G SCOTT COOKE3 Filed as: SCOTT ALLEN BEER | 8385 NORTH RAISINA AVENUE FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.91% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM BLUE CROSS | 105 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $148K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $148K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $148K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 10 | $5K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $148K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 105 | $1.5M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 224 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.