| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 5.00% |
| GRAVELINE FINANCIAL, INC.3 | 7471 N. REMINGTON, #101 FRESNO, CA 93711 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| GRAVELINE FINANCIAL, INC.3 | 7471 N. REMINGTON, #101 FRESNO, CA 93711 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| GRAVELINE FINANCIAL, INC.3 | 1243 E. SPRUCE AVENUE, #105 FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| GRAVELINE FINANCIAL, INC.3 | 7471 N. REMINGTON, #101 FRESNO, CA 93711 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 10.00% |
| MGIS3 | 111 S. MAIN STREET, #400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $75 | $75 | 0.22% |
| GRAVELINE FINANCIAL, INC.3 | 7471 N. REMINGTON, #101 FRESNO, CA 93711 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| GRAVELINE FINANCIAL, INC.3 | 7471 N. REMINGTON, #101 FRESNO, CA 93711 | STANDARD INSURANCE COMPANY | $441 | — | $441 | 10.00% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 77 | $683K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 426 | $152K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $84K |
| Short-term disability | STANDARD INSURANCE COMPANY | 15 | $4K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 201 | $88K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 197 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.