| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHITAKER, PATRICK J3 Filed as: WHITAKER, PATRICK | 1276 LINCOLN AVE #202 SAN JOSE, CA 95125 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $90K | — | $90K | 5.46% |
| ARCHON LLC3 | 1209 ORANGE STREET WILMINGTON, DE 19801 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $8K | $8K | 0.47% |
| PATRICK RUHLE3 Filed as: PATRICK WHITAKER | 1276 LINCOLN AVE STE 202 SAN JOSE, CA 951253008 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 4.88% |
| 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 | 1.58% |
| PATRICK JOHN WHITAKER3 | 1276 LINCOLN AVE STE 202 SAN JOSE, CA 95125 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| PATRICK JOHN WHITAKER3 | 1276 LINCOLN AVE STE 202 SAN JOSE, CA 95125 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| PATRICK JOHN WHITAKER3 | 1276 LINCOLN AVE STE 202 SAN JOSE, CA 95125 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| WHITAKER, PATRICK J3 | 1276 LINCOLN AVENUE STE 202 SAN JOSE, CA 95125 | UNUM INSURANCE COMPANY | $2K | $108 | $2K | 12.69% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELES BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $708 | — | $708 | 5.12% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | STE 200 500 TREAT AVE SAN FRANCISCO, CA 94110 | UNUM INSURANCE COMPANY | $415 | — | $415 | 3.00% |
| WHITAKER, PATRICK J3 | 1276 LINCOLN AVE STE 202 SAN JOSE, CA 95125 | UNUM INSURANCE COMPANY | $1K | $107 | $2K | 12.64% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $607 | — | $607 | 5.03% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | STE 200 500 TREAT AVE SAN FRANCISCO, CA 94110 | UNUM INSURANCE COMPANY | $358 | — | $358 | 2.97% |
| WHITAKER, PATRICK J3 | 1276 LINCOLN AVE STE 202 SAN JOSE, NY 95125 | UNUM INSURANCE COMPANY | $1K | $53 | $1K | 11.64% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $511 | — | $511 | 4.78% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | STE 200 500 TREAT AVE SAN FRANCISCO, CA 94110 | UNUM INSURANCE COMPANY | $301 | — | $301 | 2.81% |
| PATRICK JOHN WHITAKER3 | 1276 LINCOLN AVE STE 202 SAN JOSE, CA 95125 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| PATRICK JOHN WHITAKER3 | 1276 LINCOLN AVE STE 202 SAN JOSE, CA 95125 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $586 | — | $586 | 15.01% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 238 | $1.8M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 238 | $1.7M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 238 | $1.7M |
| Life insurance(3 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $27K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $24K |
| Other(6 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 152 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.