| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK RUHLE3 Filed as: PATRICK WHITAKER | 1276 LINCOLN AVENUE SUITE 202 SAN JOSE, CA 951253008 | KAISER FOUNDATION HEALTH PLAN, INC. | $26K | — | $26K | 4.94% |
| PATRICK RUHLE3 Filed as: PATRICK WHITAKER | 1276 LINCOLN AVENUE SUITE 202 SAN JOSE, CA 95125 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $165K | — | $165K | 54.70% |
| ARCHON LLC3 | 1209 ORANGE STREET WILMINGTON, DE 19801 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $16K | $16K | 5.30% |
| PATRICK RUHLE3 Filed as: PATRICK WHITAKER | 1276 LINCOLN AVENUE SUITE 202 SAN JOSE, CA 95125 | ANTHEM LIFE INSURNACE COMPANY | $5K | — | $5K | 7.35% |
| ARCHON LLC3 | 1209 ORANGE STREET WILMINGTON, DE 19801 | ANTHEM LIFE INSURNACE COMPANY | — | $2K | $2K | 3.10% |
| PATRICK JOHN WHITAKER3 | 1276 LINCOLN AVENUE SUITE 202 SAN JOSE, CA 95125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 19.55% |
| PATRICK RUHLE3 Filed as: PATRICK WHITAKER | 1276 LINCOLN AVENUE SUITE 202 SAN JOSE, CA 951253008 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 5.55% |
| ARCHON LLC3 Filed as: ARCHON, LLC | 1209 ORANGE STREET WILMINGTON, DE 19801 | ANTHEM LIFE INSURANCE COMPANY | — | $1K | $1K | 2.78% |
| PATRICK RUHLE3 Filed as: PATRICK WHITAKER | 1276 LINCOLN AVENUE SUITE 202 SAN JOSE, CA 95125 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 10.39% |
| ARCHON LLC3 | 1209 ORANGE STREET WILMINGTON, DE 19801 | ANTHEM LIFE INSURANCE COMPANY | — | $1K | $1K | 4.72% |
| PATRICK RUHLE3 Filed as: PATRICK WHITAKER | 1276 LINCOLN AVENUE SUITE 202 SAN JOSE, CA 951253008 | ANTHEM LIFE INSURANCE COMPANY | $961 | — | $961 | 5.56% |
| ARCHON LLC3 Filed as: ARCHON, LLC | 1209 ORANGE STREET WILMINTON, DE 19801 | ANTHEM LIFE INSURANCE COMPANY | — | $481 | $481 | 2.78% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 396 | $3.1M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 481 | $302K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 481 | $302K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURNACE COMPANY | 275 | $93K |
| Short-term disability(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 275 | $42K |
| Long-term disability(2 contracts) | ANTHEM LIFE INSURANCE COMPANY | 275 | $62K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 396 | $3.1M |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURNACE COMPANY | 275 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.