| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRAVELINE FINANCIAL, INC.3 | 1243 E. SPRUCE AVENUE, #105 FRESNO, CA 93720 | AETNA LIFE INSURANCE COMPANY | $38K | — | $38K | 5.93% |
| GRAVELINE FINANCIAL, INC.3 | 1243 E. SPRUCE AVENUE, #105 FRESNO, CA 93720 | MWG ADMINISTRATORS | $23K | — | $23K | 15.00% |
| MWL3 | P. O. BOX 14067 JACKSON, MS 392364067 | MWG ADMINISTRATORS | $8K | — | $8K | 5.00% |
| GRAVELINE FINANCIAL, INC.3 | 1243 E. SPRUCE AVENUE, #105 FRESNO, CA 93720 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| GRAVELINE FINANCIAL, INC.3 Filed as: GRAVELINE INSURANCE SERVICES | 1243 E. SPRUCE AVENUE, #105 FRESNO, CA 93720 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| GRAVELINE FINANCIAL, INC.3 | 1243 E. SPRUCE AVENUE, #105 FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ANCILLARY INSURANCE SOLUTIONS3 | 1440 E. VALLEY FORGE DRIVE FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $663 | $663 | 5.00% |
| GRAVELINE FINANCIAL, INC.3 | 1243 E. SPRUCE AVENUE, #105 FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ANCILLARY INSURANCE SOLUTIONS3 | 1440 E. VALLEY FORGE DRIVE FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $630 | $630 | 5.00% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 207 | $796K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 121 | $86K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 120 | $86K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $13K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 60 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.