| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRAVELINE FINANCIAL, INC.3 | 1243 E. SPRUCE AVENUE, #105 FRESNO, CA 93711 | AETNA LIFE INSURANCE COMPANY | $26K | $8K | $33K | 7.13% |
| GRAVELINE FINANCIAL, INC.3 Filed as: GRAVELINE INSURANCE SERVICES | 7471 N. REMINGTON, #101 FRESNO, CA 93711 | COMMUNITY CARE HEALTH, INC. | $23K | — | $23K | 4.98% |
| GRAVELINE FINANCIAL, INC.3 | 1243 E. SPRUCE AVENUE, #105 FRESNO, CA 93720 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| GRAVELINE FINANCIAL, INC.3 | 1243 E. SPRUCE AVENUE, #105 FRESNO, CA 93720 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 10.00% |
| MGIS3 | 111 S. MAIN STREET, #400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $60 | $60 | 0.10% |
| GRAVELINE FINANCIAL, INC.3 | 1243 E. SPRUCE AVENUE, #105 FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| GRAVELINE FINANCIAL, INC.3 | 1243 E. SPRUCE AVENUE, #105 FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| GRAVELINE FINANCIAL, INC.3 | 1243 E. SPRUCE AVENUE, #105 FRESNO, CA 93720 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 10.00% |
| MGIS3 | 111 S. MAIN STREET, #400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $60 | $60 | 0.54% |
| GRAVELINE FINANCIAL, INC.3 | 1243 E. SPRUCE AVENUE, #105 FRESNO, CA 93720 | SUN LIFE ASSURANCE COMPANY OF CANADA | $144 | — | $144 | 10.03% |
| MGIS3 | 111 S. MAIN STREET, #400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $60 | $60 | 4.18% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 83 | $916K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 169 | $182K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $24K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 188 | $58K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.