| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES G. PARKER INSURANCE3 Filed as: JAMES PARKER DBA BACOME INS. | PO BOX 3947 FRESNO, CA 93650 | HEALTH NET | $37K | — | $37K | 5.86% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER INSURANCE ASSOCIATES | PO BOX 3947 FRESNO, CA 93650 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | $1K | $17K | 5.19% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER ASSOC. | 1753 E FIR AVE. FRESNO, CA 93720 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $45 | $16K | 11.00% |
| JAMES G. PARKER INSURANCE3 Filed as: JAMES G PARKER INS. ASSOC. | 1753 E FIR AVE. FRESNO, CA 93720 | SAFEGUARD HEALTH PLANS INC. A CALIFORNIA CORPORATION | $2K | — | $2K | 10.14% |
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 | 367 | 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) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 116 | $961K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $164K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $145K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $145K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.