| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHITAKER, PATRICK J3 | 1276 LINCOLN AVENUE 202 SAN JOSE, CA 95125 | CALIFORNIA PHYSICIANS' SERVICE | $38K | — | $38K | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CALIFORNIA PHYSICIANS' SERVICE | — | $13K | $13K | 1.76% |
| PATRICK RUHLE3 Filed as: PATRICK WHITAKER | 1276 LINCOLN AVE STE 202 SAN JOSE, CA 951253008 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 4.87% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES, | INC. 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 2.05% |
| WHITAKER, PATRICK J3 Filed as: WHITAKER, PATRICK | 1276 LINCOLN AVE #202 SAN JOSE, CA 95125 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $8K | — | $8K | 8.74% |
| ARCHON LLC3 | 1209 ORANGE STREET WILMINGTON, DE 19801 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $4K | $4K | 4.37% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 16.46% |
| PACIFRIC ADVISORS LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$50 | — | -$50 | -0.10% |
| PATRICK J WHITAKER3 | 1427 GERHARDT AVE SAN JOSE, CA 95121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$763 | — | -$763 | -1.46% |
| WHITAKER, PATRICK J3 | 1276 LINCOLN AVE STE 202 SAN JOSE, CA 95125 | UNUM INSURANCE COMPANY | $580 | — | $580 | 9.35% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $248 | — | $248 | 4.00% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | STE 200 500 TREAT AVE SAN FRANCISCO, CA 94110 | UNUM INSURANCE COMPANY | $147 | — | $147 | 2.37% |
| WHITAKER, PATRICK J3 | 1276 LINCOLN AVE STE 202 SAN JOSE, CA 95125 | UNUM INSURANCE COMPANY | $522 | — | $522 | 9.17% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $223 | — | $223 | 3.92% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | STE 200 500 TREAT AVE SAN FRANCISCO, CA 94110 | UNUM INSURANCE COMPANY | $132 | — | $132 | 2.32% |
| WHITAKER, PATRICK J3 | 1276 LINCOLN AVE STE 202 SAN JOSE, CA 95125 | UNUM INSURANCE COMPANY | $589 | — | $589 | 11.91% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $252 | — | $252 | 5.10% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | STE 200 500 TREAT AVE SAN FRANCISCO, CA 94110 | UNUM INSURANCE COMPANY | $148 | — | $148 | 2.99% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 211 | $852K |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 233 | $90K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 233 | $90K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $52K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $52K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $52K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 211 | $756K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.