| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS & FINANCIAL SVCS | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN INC | $57K | — | $57K | 2.99% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE SVCS | PO BOX 28906 FRESNO, CA 93729 | BLUE SHIELD OF CALIFORNIA | $19K | — | $19K | 5.00% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS AND FIN SERVICES | PO BOX 28906 FRESNO, CA 93729 | DELTA DENTAL OF CALIFORNIA | $18K | — | $18K | 5.15% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS & FIN SERVICES | PO BOX 28906 FRESNO, CA 93711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 10.58% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS & FIN SERVICES | PO BOX 28906 FRESNO, CA 93711 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $690 | — | $690 | 3.06% |
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 | 262 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 438 | $2.3M |
| Dental | DELTA DENTAL OF CALIFORNIA | 197 | $341K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $128K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 48 | $23K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $128K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 262 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.