| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER | PO BOX 3947 FRESNO, CA 93650 | AETNA HEALTH INC. | $34K | — | $34K | 4.43% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER | DBA BACOME INS. PO BOX 3947 FRESNO, CA 93650 | AETNA LIFE INSURANCE CO. | $31K | — | $31K | 4.45% |
| JAMES G. PARKER INSURANCE3 | PO BOX 3947 FRESNO, CA 93650 | KAISER FOUNDATION HEALTH | $20K | — | $20K | 4.54% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER INSURANCE ASSOCIATES | 1735 E FIR AVE FRESNO, CA 93720 | METROPOLITAN LIFE INSURANCE CO. | $11K | $2K | $13K | 9.58% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER | PO BOX 3947 FRESNO, CA 93650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $3K | $20K | 18.19% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER INSURANCE ASSOCIATES | 1735 E FIR AVE FRESNO, CA 93720 | SAFEGUARD HEALTH PLANS INC. | $1K | $109 | $2K | 17.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH AND HUMAN RESOURCE CENTER EIN 33-0052273 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $7K |
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 | 457 | 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) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 84 | $1.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO. | 304 | $140K |
| Vision | METROPOLITAN LIFE INSURANCE CO. | 304 | $131K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $109K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $109K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $109K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 457 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.