| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACK EDWARD AHART3 | 499 W. SHAW AVENUE, #130 FRESNO, CA 91188 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | — | $65K | 5.00% |
| JACK EDWARD AHART3 Filed as: JACK E AHART | 2551 W. LOCUST AVENUE FRESNO, CA 937110320 | AMERITAS LIFE INSURANCE CORPORATION | $3K | — | $3K | 3.52% |
| VILLANE WARD INSURANCE SERVICES3 | 620 W. CROMWELL AVENUE, #106 6 FRESNO, CA 93711 | AMERITAS LIFE INSURANCE CORPORATION | — | $406 | $406 | 0.45% |
| JACK EDWARD AHART3 Filed as: JACK E. AHART | 4721 E. BEHYMER AVENUE CLOVIS, CA 936197801 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.01% |
| JACK EDWARD AHART3 Filed as: JACK E. AHART | 4721 E. BEHYMER AVENUE CLOVIS, CA 93619 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.41% |
| VILLANE WARD INSURANCE SERVICES3 | 620 W. CROMWELL AVENUE, #106 FRESNO, CA 93711 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $891 | — | $891 | 3.72% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMAN ROAD, #310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $297 | $297 | 1.24% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 182 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 281 | $90K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 281 | $90K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $40K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $24K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.