| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER INSURANCE ASSOCIATES | 1753 E FIR AVE FRESNO, CA 93720 | HEALTH NET | $90K | — | $90K | 6.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY SE SUITE 300 ATLANTA, GA 30339 | HEALTH NET | $21K | — | $21K | 1.60% |
| BENEFITS RESOURCE GROUP3 Filed as: BENEFITS RESOURCE LLC | 20 ENTERPRISE STE 330 ALISO VIEJO, CA 92656 | HEALTH NET | $63 | — | $63 | 0.00% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER INSURANCE ASSOCIATES | PO BOX 3947 FRESNO, CA 93650 | SHA LLC | $7K | — | $7K | 5.31% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER INSURANCE ASSOCIATES | PO BOX 3947 FRESNO, CA 93650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 20.10% |
| THOMAS EDWARD BRADBURY3 | 35 BLUE HERON DR FLETCHER, NC 28732 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 9.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.87% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER DBA BACOME INS | PO BOX 3947 FRESNO, CA 93650 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER DBA BACOME INS | PO BOX 3947 FRESNO, CA 93650 | UDC DENTAL OF CALIFORNIA INC | $3K | — | $3K | 10.00% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER INSURANCE ASSOCIATES | PO BOX 3947 FRESNO, CA 93650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 20.10% |
| THOMAS EDWARD BRADBURY3 | 35 BLUE HERON DR FLETCHER, NC 28732 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $589 | $589 | 2.82% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER INSURANCE ASSOCIATES | PO BOX 3947 FRESNO, CA 93650 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 13.76% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $207 | — | $207 | 1.20% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER INSURANCE ASSOCIATES | PO BOX 3947 FRESNO, CA 93650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $749 | $749 | 4.85% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER INSURANCE ASSOCIATES | PO BOX 3947 FRESNO, CA 93650 | SOUTHWEST LIFE AND HEALTH | $760 | — | $760 | 5.53% |
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 | 271 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH NET | 191 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 106 | $69K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 271 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $78K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 57 | $21K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.