| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G. PARKER INSURANCE ASSOCIATE | P.O. BOX 3947 FRESNO, CA 936503947 | UNITED HEALTHCARE INSURANCE COMPANY | $87K | $0 | $87K | 5.95% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G. PARKER INSURANCE ASSOCIATE | P.O. BOX 3947 FRESNO, CA 936503947 | KAISER FOUNDATION HEALTH PLAN INC | $25K | $0 | $25K | 5.42% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G. PARKER INSURANCE ASSOCIATE | 1753 E FIR AVE FRESNO, CA 93720 | METROPOLITAN LIFE INSURANCE CO. | $6K | $48 | $6K | 4.42% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G. PARKER INSURANCE ASSOCIATE | PO BOX 3947 1753 E FIR AVE FRESNO, CA 93650 | UBITED OF OMAHA LIFE UNSURANCE COMPANY | $5K | $2K | $6K | 20.07% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G. PARKER INSURANCE ASSOCIATE | 1753 FIR AVENUE FRESNO, CA 93720 | SAFEGUARD HEALTH PLANS, INC. | $525 | $0 | $525 | 10.35% |
| 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 | $45 |
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. |
| 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) | UNITED HEALTHCARE INSURANCE COMPANY | 148 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO. | 304 | $138K |
| Vision | METROPOLITAN LIFE INSURANCE CO. | 304 | $133K |
| Life insurance | UBITED OF OMAHA LIFE UNSURANCE COMPANY | 246 | $32K |
| Short-term disability | UBITED OF OMAHA LIFE UNSURANCE COMPANY | 246 | $32K |
| Long-term disability | UBITED OF OMAHA LIFE UNSURANCE COMPANY | 246 | $32K |
| Other(2 contracts, 2 carriers) | UBITED OF OMAHA LIFE UNSURANCE COMPANY | 457 | $39K |
| 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."
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.