| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK RUHLE3 Filed as: PATRICK WHITAKER | 1276 LINCOLN AVE #202 SAN JOSE, CA 95125 | BLUE CROSS OF CALIFORNIA | $75K | — | $75K | 6.99% |
| PATRICK RUHLE3 Filed as: PATRICK WHITAKER | 1276 LINCOLN AVE STE 202 SAN JOSE, CA 951253008 | KAISER FOUNDATION HEALTH PLAN | $17K | $4K | $21K | 6.30% |
| PATRICK RUHLE3 Filed as: PATRICK WHITAKER | 1276 LINCOLN AVE SUITE 202 SAN JOSE, CA 951253008 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.14% |
| PATRICK J WHITAKER3 | 1276 LINCOLN AVE SAN JOSE, CA 95125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 10.52% |
| PATRICK J WHITAKER3 | 1276 LINCOLN AVE STE 202 SAN JOSE, CA 951253008 | SUPERIOR VISION PLAN | $2K | — | $2K | 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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 120 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 508 | $152K |
| Vision | SUPERIOR VISION PLAN | 173 | $19K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 508 | $214K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 508 | $214K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 508 | $214K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 508 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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.