| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS AND FINANCIAL SVCS | 548 WEST CROMWELL AVENUE, SUITE 101 FRESNO, CA 93711 | CALIFORNIA PHYSICIANS SERVICE | $0 | $36K | $36K | 3.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | CALIFORNIA PHYSICIANS SERVICE | $0 | $21K | $21K | 2.10% |
| EMERSON REID LLC3 | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 3.83% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS AND FINANCIAL SVCS | PO BOX 28906 FRESNO, CA 93729 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 3.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC | PO BOX 2158 RIVERSIDE, CA 92516 | AMERITAS LIFE INSURANCE CORPORATION | $705 | $0 | $705 | 1.39% |
| AMWINS3 Filed as: LISI LLC | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | AMERITAS LIFE INSURANCE CORPORATION | $355 | $0 | $355 | 0.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 548 WEST CROMWELL AVENUE, SUITE 101 FRESNO, CA 93711 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 14.76% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| EMERSON REID LLC3 | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.66% |
| DER MANOUEL INSURANCE GROUP3 Filed as: DER MANOUEL INS AND FINANCIAL SVCS | PO BOX 28906 FRESNO, CA 93729 | VISION SERVICE PLAN | $916 | $0 | $916 | 6.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | LIBERTY DENTAL PLAN OF CALIFORNIA, INC | $858 | $0 | $858 | 10.00% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 192 | $999K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 118 | $59K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 121 | $66K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $41K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $41K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 192 | $999K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.