| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE SERVICES | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN INC | $19K | $0 | $19K | 3.53% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE SERVICES | PO BOX 28906 FRESNO, CA 93729 | WESTERN HEALTH ADVANTAGE | $9K | $0 | $9K | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMON ROAD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $3K | $2K | $5K | 16.47% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE SERVICES | 855 MAIN STREET, SUITE 207 PLEASANTON, CA 94566 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 548 WEST CROMWELL AVENUE FRESNO, CA 93711 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $911 | $45 | $956 | 15.67% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 Filed as: AMES-GRENZ INSURANCE SERVICES INC. | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.03% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE SERVICES | PO BOX 28906 FRESNO, CA 93729 | PREMIER ACCESS INSURANCE COMPANY | $844 | $0 | $844 | 16.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 548 WEST CROMWELL AVENUE FRESNO, CA 93711 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 7.21% |
| AMES-GRENZ INSURANCE SERVICES, INC.3 Filed as: AMES-GRENZ INSURANCE SERVICES INC. | 3435 AMERICAN RIVER DRIVE, SUITE C SACRAMENTO, CA 95864 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 1.17% |
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 | 90 | 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) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 79 | $704K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 160 | $5K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 84 | $12K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 90 | $36K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 7 | $943 |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 90 | $30K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 79 | $704K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 90 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.