| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRAVELINE FINANCIAL, INC.3 Filed as: GRAVELINE INSURANCE SERVICES | 7471 N. REMINGTON, #101 FRESNO, CA 93711 | BLUE SHIELD OF CALIFORNIA | $49K | — | $49K | 5.00% |
| GRAVELINE FINANCIAL, INC.3 Filed as: GRAVELINE FINANCIAL INSURANCE | 7471 N. REMINGTON, #101 FRESNO, CA 93711 | AETNA HEALTH, INC. | $39K | — | $39K | 4.55% |
| GRAVELINE FINANCIAL, INC.3 | 7471 N. REMINGTON, #101 FRESNO, CA 93711 | PREMIER ACCESS INSURANCE COMPANY | $10K | — | $10K | 6.37% |
| AMWINS3 Filed as: LISI, INC. | 1600 W. HILLSDALE BLVD. SAN MATEO, CA 94402 | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 2.00% |
| GRAVELINE FINANCIAL, INC.3 Filed as: GRAVELINE FINANCIAL INSURANCE | 7471 N. REMINGTON, #101 FRESNO, CA 93711 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.52% |
| GRAVELINE FINANCIAL, INC.3 | 7471 N. REMINGTON, #101 FRESNO, CA 93711 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.53% |
| GRAVELINE FINANCIAL, INC.3 | 7471 N. REMINGTON, #101 FRESNO, CA 93711 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.18% |
| GRAVELINE FINANCIAL, INC.3 | 7471 N. REMINGTON, #101 FRESNO, CA 93711 | STANDARD INSURANCE COMPANY | $712 | — | $712 | 11.63% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE SHIELD OF CALIFORNIA | 239 | $1.9M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 485 | $160K |
| Life insurance | STANDARD INSURANCE COMPANY | 205 | $16K |
| Short-term disability | STANDARD INSURANCE COMPANY | 19 | $6K |
| Long-term disability | STANDARD INSURANCE COMPANY | 205 | $72K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 239 | $983K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.