| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHITAKER, PATRICK J3 | 1276 LINCOLN AVE #202 SAN JOSE, CA 95125 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $58K | — | $58K | 4.90% |
| ARCHON LLC3 | 1209 ORANGE STREET WILMINGTON, DE 19801 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $5K | $5K | 0.45% |
| WHITAKER, PATRICK J3 Filed as: WHITAKER, PATRICK | 1276 LINCOLN AVE #202 SAN JOSE, CA 95125 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $21K | — | $21K | 5.82% |
| ARCHON LLC3 | 1209 ORANGE STREET WILMINGTON, DE 19801 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $2K | $2K | 0.67% |
| PATRICK RUHLE3 Filed as: PATRICK WHITAKER | 1276 LINCOLN AVE STE 202 SAN JOSE, CA 951253008 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | — | $6K | 5.10% |
| 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 | 1.76% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 11.97% |
| PATRICK J WHITAKER3 | 1427 GERHARDT AVE SAN JOSE, CA 95121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.74% |
| WHITAKER, PATRICK J3 | 1276 LINCOLN AVE STE 202 SAN JOSE, NY 95125 | UNUM INSURANCE COMPANY | $2K | — | $2K | 12.20% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $672 | — | $672 | 5.23% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | STE 200 500 TREAT AVE SAN FRANCISCO, CA 94110 | UNUM INSURANCE COMPANY | $397 | — | $397 | 3.09% |
| WHITAKER, PATRICK J3 | 1276 LINCOLN AVE STE 202 SAN JOSE, CA 95125 | UNUM INSURANCE COMPANY | $1K | — | $1K | 11.90% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $541 | — | $541 | 5.10% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | STE 200 500 TREAT AVE SAN FRANCISCO, CA 94110 | UNUM INSURANCE COMPANY | $318 | — | $318 | 3.00% |
| WHITAKER, PATRICK J3 | 1276 LINCOLN AVENUE 202 SAN JOSE, CA 95125 | UNUM INSURANCE COMPANY | $1K | — | $1K | 12.61% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELES BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $528 | — | $528 | 5.40% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | STE 200 500 TREAT AVE SAN FRANCISCO, CA 94110 | UNUM INSURANCE COMPANY | $311 | — | $311 | 3.18% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 270 | $1.7M |
| Dental(2 contracts) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 270 | $1.6M |
| Vision(2 contracts) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 270 | $1.6M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $73K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $73K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $73K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.