| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACK EDWARD AHART3 | 2551 W. LOCUST AVENUE FRESNO, CA 93711 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 3.38% |
| AHART INSURANCE SERVICES3 Filed as: AHART INSURANCE SOLUTIONS, INC | 2551 W. LOCUST AVENUE FRESNO, CA 93711 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 1.62% |
| JACK EDWARD AHART3 Filed as: JACK E AHART | 2551 W. LOCUST AVENUE FRESNO, CA 937110320 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 2.98% |
| AHART INSURANCE SERVICES3 Filed as: AHART INSURANCE SOLUTIONS, INC | 2551 W. LOCUST AVENUE FRESNO, CA 93711 | AMERITAS LIFE INSURANCE CORPORATION | $625 | — | $625 | 0.82% |
| JACK EDWARD AHART3 Filed as: JACK E. AHART | 2551 W. LOCUST FRESNO, CA 936197801 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 19.98% |
| WALTER R. REINHARDT INSURANCE3 Filed as: WALTER R REINHARDT INSURANCE AGENCY | 499 W SHAW AVE FRESNO, CA 93704 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.94% |
| RENE ANN MARTIN3 | 828 TOULOUSE LN CLOVIS, CA 93619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $648 | — | $648 | 2.40% |
| BARRY W MAAS3 Filed as: BARRY MAAS | 1272 W MORAGA RD. FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | $0 | $260 | 0.96% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA NETTO PHILIPS | 6219 S CLARA AVE FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $0 | $259 | 0.96% |
| ROSE RODRIGUEZ CUEVAS3 | 1675 S FRANKWOOD AVE REEDLEY, CA 93654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.14% |
| MARIA GONZALES3 | 1972 N NADINE AVE FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.11% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 215 | $76K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 215 | $76K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 152 | $65K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 152 | $38K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 152 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.