| 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 | $17K | $0 | $17K | 4.98% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS AND FIN. SVCS. | PO BOX 28906 FRESNO, CA 93729 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 11.91% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 548 WEST CROMWELL AVENUE, SUITE 101 FRESNO, CA 93711 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.35% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS AND FIN. SVCS. | PO BOX 28906 FRESNO, CA 93729 | VISION SERVICE PLAN | $523 | $0 | $523 | 9.57% |
| CARRIE M. POHNDORF AND OTHER AGENTS3 Filed as: CARRIE M POHNDORF AND VARIOUS AGENT | 2681 EAST RYAN LANE FRESNO, CA 93720 | AFLAC | $27 | $0 | $27 | 2.60% |
| BRENDA S HAMILTON3 Filed as: BRENDA S. HAMILTON | 37 BIRCH AVENUE CLOVIS, CA 93611 | AFLAC | $24 | $0 | $24 | 2.31% |
| BETH SJOSTRAND3 | PO BOX 2204 OAKHURST, CA 93644 | AFLAC | $20 | $0 | $20 | 1.93% |
| MAGPIE CATTLE CO3 Filed as: MAGPIE CATTLE COMPANY | 1285 WEST SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | AFLAC | $19 | $0 | $19 | 1.83% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS AND FIN. SVCS. | PO BOX 28906 FRESNO, CA 93729 | AFLAC | $16 | $0 | $16 | 1.54% |
| JANIS E. RIDLON3 | 1077 NORTH WILLOW AVENUE, SUITE 105 CLOVIS, CA 93611 | AFLAC | $10 | $0 | $10 | 0.96% |
| ILC STONE INSURANCE SERVICES, INC3 | 1285 WEST SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | AFLAC | $9 | $0 | $9 | 0.87% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 189 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 189 | $1.2M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 189 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $90K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $89K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $89K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 189 | $1.5M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.