| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G. PARKER INSURANCE ASSOCIATE | 1753 FIR FRESNO, CA 93720 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER INSURANCE ASSOCIATES | 1753 E. FIR FRESNO, CA 93720 | AMERITAS | — | $263 | $263 | 1.11% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G. PARKER INSURANCE ASSOCIATE | 1753 E. FIR AVE. FRESNO, CA 93720 | AMERITAS LIFE INSURANCE CORP. | — | $95 | $95 | 0.98% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G. PARKER INSURANCE ASSOCIATE | 1753 FIR AVE. FRESNO, CA 93720 | STANDARD INSURANCE COMPANY | $849 | — | $849 | 9.27% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER INSURANCE ASSOCIATES | PO BOX 3947 FRESNO, CA 93650 | ANTHEM LIFE INSURANCE COMPANY | $196 | — | $196 | 6.66% |
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 | 336 | 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) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BENEFIT AND RISK MANAGEMENT SERVICES | 153 | $410K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 180 | $10K |
| Vision | AMERITAS | 336 | $24K |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 197 | $154K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $142K |
| Stop-loss / reinsurancereinsurance | BENEFIT AND RISK MANAGEMENT SERVICES | 153 | $410K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.