| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. AND FIN. SVCS. | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN INC | $19K | $0 | $19K | 3.45% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. AND FIN SVCS. | PO BOX 28906 FRESNO, CA 93729 | WESTERN HEALTH ADVANTAGE | $11K | $0 | $11K | 5.00% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. AND FIN. SVCS. | PO BOX 28906 FRESNO, CA 93729 | PREMIER ACCESS INSURANCE COMPANY | $6K | $0 | $6K | 6.19% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. AND FIN. SVCS. | UNKNOWN NAPA, CA 94559 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $2K | $947 | $3K | 9.40% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. AND FIN. SVCS. | PO BOX 28906 FRESNO, CA 93729 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 4.90% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. AND FIN. SVCS. | PO BOX 28906 FRESNO, CA 93711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $661 | $0 | $661 | 14.18% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 Filed as: AMES-GRENZ INS. SERVICES, INC. | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30 | $0 | $30 | 0.64% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS. AND FIN SVCS. | PO BOX 28906 FRESNO, CA 93711 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $167 | $0 | $167 | 6.04% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 Filed as: AMES-GRENZ INS. SERVICES, INC. | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 1.52% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 94 | $763K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 216 | $102K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 214 | $32K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 110 | $37K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 11 | $3K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 110 | $32K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 94 | $763K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 110 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
No prospect flags tripped on this filing.