| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. AND FIN. SVCS INC. | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 4.46% |
| DIANA C. POSTLE AND OTHER AGENTS3 | 6305 NORTH FORESTIERE AVENUE FRESNO, CA 93722 | AFLAC | $4K | $65 | $4K | 7.55% |
| RHONDA V PHILLIPS3 Filed as: RHONDA V. PHILLIPS | 1334 WEST DAYTON AVENUE FRESNO, CA 93705 | AFLAC | $4K | $189 | $4K | 6.59% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INSURANCE SERVICES, INC. | 1285 WEST SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | AFLAC | $2K | $100 | $2K | 4.37% |
| THERESA PEREZ3 | 3754 EAST TERRACE AVENUE FRESNO, CA 93703 | AFLAC | $1K | $0 | $1K | 2.36% |
| JENNIFER D COLLINS3 Filed as: JENNIFER D. COLLINS | 844 NORTH FRANKWOOD AVENUE SANGER, CA 93657 | AFLAC | $1K | $49 | $1K | 2.33% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. AND FIN. SVCS INC. | PO BOX 28906 FRESNO, CA 93729 | AFLAC | $810 | — | $810 | 1.44% |
| MAGPIE CATTLE CO3 Filed as: MAGPIE CATTLE COMPANY | 1285 WEST SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | AFLAC | $766 | — | $766 | 1.36% |
| VALUE ADDED BNFT ADMSTR INC3 Filed as: VALUE ADDED BENEFIT ADMINISTRATORS | 4704 WEST JENNIFER AVENUE SUITE 104 FRESNO, CA 93722 | SYMETRA LIFE INSURANCE COMPANY | — | $414 | $414 | 7.53% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. AND FIN. SVCS INC. | PO BOX 28906 FRESNO, CA 93729 | SYMETRA LIFE INSURANCE COMPANY | $259 | — | $259 | 4.71% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 17 | $71K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 209 | $6K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 17 | $71K |
| Other(2 contracts, 2 carriers) | AFLAC | 209 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.