| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 4.56% |
| RHONDA V PHILLIPS3 | 1334 WEST DAYTON AVENUE FRESNO, CA 93705 | AFLAC | $4K | $130 | $4K | 9.37% |
| MJ INSURANCE3 Filed as: SHIRLEY BUNDROS AND VARIOUS AGENTS | 2127 KEATS AVENUE CLOVIS, CA 93611 | AFLAC | $3K | $80 | $3K | 6.06% |
| ILIC-STONE INS SERVICES INC3 | 1285 WEST SHAW AVENUE SUITE 101 FRESNO, CA 93711 | AFLAC | $2K | $111 | $2K | 3.89% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE & FINANCIAL | PO BOX 28906 FRESNO, CA 93729 | AFLAC | $1K | $0 | $1K | 2.90% |
| JENNIFER D COLLINS3 | 844 NORTH FRANKWOOD AVENUE SANGER, CA 93657 | AFLAC | $1K | $52 | $1K | 2.60% |
| DEANA WELCH3 | 1285 WEST SHAW AVENUE SUITE 101 FRESNO, CA 93711 | AFLAC | $744 | $28 | $772 | 1.70% |
| JOSEPH LINVILLE3 | 1285 WEST SHAW AVENUE SUITE 101 FRESNO, CA 93711 | AFLAC | $519 | $18 | $537 | 1.18% |
| MJ INSURANCE3 Filed as: DEANA WELCH AND VARIOUS AGENTS | 4775 WEST ROSETTA DRIVE FRESNO, CA 93722 | AFLAC | $3K | $73 | $3K | 7.33% |
| RHONDA V PHILLIPS3 | 1334 WEST DAYTON AVENUE FRESNO, CA 93705 | AFLAC | $2K | $137 | $2K | 6.71% |
| ILIC-STONE INS SERVICES INC3 Filed as: ILIC-STONE INSURANCE SERVICES INC | 1285 WEST SHAW AVENUE SUITE 101 FRESNO, CA 93711 | AFLAC | $1K | $88 | $1K | 3.39% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE & FINANCIAL | PO BOX 28906 FRESNO, CA 93729 | AFLAC | $868 | $0 | $868 | 2.41% |
| JENNIFER D COLLINS3 | 844 NORTH FRANKWOOD AVENUE SANGER, CA 93657 | AFLAC | $678 | $57 | $735 | 2.04% |
| TERESA PEREZ3 | 3754 EAST TERRACE AVENUE FRESNO, CA 93703 | AFLAC | $519 | $76 | $595 | 1.65% |
| DEANA WELCH3 | 1285 WEST SHAW AVENUE SUITE 101 FRESNO, CA 93711 | AFLAC | $370 | $69 | $439 | 1.22% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE | PO BOX 28906 FRESNO, CA 93729 | SYMETRA LIFE INSURANCE COMPANY | $562 | $0 | $562 | 9.11% |
| VALUE ADDED BNFT ADMSTR INC3 Filed as: VALUE ADDED BENEFIT ADMINISTRATOR | 4704 WEST JENNIFER AVENUE SUITE 104 FRESNO, CA 93722 | SYMETRA LIFE INSURANCE COMPANY | $0 | $301 | $301 | 4.88% |
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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 15 | $66K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 246 | $6K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 15 | $66K |
| Other(3 contracts, 2 carriers) | AFLAC | 246 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
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.