| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE AND FINANCIAL | P O BOX 28906 FRESNO, CA 937298906 | UNITEDHEALTHCARE INSURANCE COMPANY | $87K | — | $87K | 3.34% |
| SAN JOAQUIN VALLEY INS ASSOC INC3 | P O BOX 28906 FRESNO, CA 93729 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE AND FINANCIAL | P O BOX 28906 FRESNO, CA 937298906 | KAISER FOUNDATION HEALTH PLAN, INC. | $32K | — | $32K | 3.18% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE & FINANCIAL | P O BOX 28906 FRESNO, CA 937298906 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.86% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE & FINANCIAL | P O BOX 28906 FRESNO, CA 937298906 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 20.00% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE AND FINANCIAL | P O BOX 28906 FRESNO, CA 937298906 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 4.10% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE & FINANCIAL | P O BOX 28906 FRESNO, CA 937298906 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 20.01% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE AND FINANCIAL | P O BOX 28906 FRESNO, CA 937298906 | FIDELITY SECURITY LIFE | $4K | — | $4K | 15.00% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INSURANCE & FINANCIAL | P O BOX 28906 FRESNO, CA 937298906 | THE GUARDIAN LIFE INSURANCE COMPANY | $8K | $541 | $8K | 39.54% |
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 | 881 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 881 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 881 | $3.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 157 | $57K |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 574 | $78K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 575 | $68K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 881 | — |
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.