| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK RUHLE3 Filed as: PATRICK WHITAKER | 1276 LINCOLN AVENUE #202 SAN JOSE, CA 95125 | BLUE CROSS OF CALIFORNIA | $150K | $6K | $156K | 6.91% |
| ARCHON LLC3 | 1209 ORANGE STREET WILMINGTON, DE 19801 | BLUE CROSS OF CALIFORNIA | — | $22K | $22K | 0.99% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | BLUE CROSS OF CALIFORNIA | — | -$5 | -$5 | -0.00% |
| PATRICK RUHLE3 Filed as: PATRICK WHITAKER | 1276 LINCOLN AVENUE SUITE 202 SAN JOSE, CA 95125 | KAISER FOUNDATION HEALTH PLAN INC | $27K | — | $27K | 4.63% |
| WHITAKER, PATRICK J3 Filed as: WHITAKER, PATRICK, JOHN | 1276 LINCOLN AVENUE SUITE 202 SAN JOSE, CA 95125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 28.55% |
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 | 364 | 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) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 205 | $2.8M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 363 | $474K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 363 | $474K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 363 | $474K |
| Short-term disability | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 363 | $474K |
| Long-term disability | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 363 | $474K |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 363 | $544K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.