| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $62K | $0 | $62K | 5.40% |
| HORSTMANN FINANCIAL & INSURANCE SER3 Filed as: HORSTMANN FINANCIAL & INSURANCE | 205 E RIVER PARK CIRCLE SUITE 220 FRESNO, CA 93720 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $34 | $0 | $34 | 0.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1465 N MCDOWELL BLVD STE 180 PETALUMA, CA 94954 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $6K | $19K | 9.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | PO BOX 664173 DALLAS, TX 75266 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATRIOT GROWTH INS SERVICES ADMINISTRATOR | Contract Administrator Service code 13 | 1465 N MCDOWELL BLVD STE 180 PETALUMA, CA 95954 | $80K |
| CENTERSTONE INSURANCE AND FINANCIAL ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 664173 DALLAS, TX 75266 | $9K |
| JOHN E HORSTMANN FINANCIAL & INS ADMINISTRATORS | Contract Administrator Service code 13 | 205 RIVER PARK CIRCLE SUITE 220 FRESNO, CA 93720 | $34 |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 120 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $190K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $190K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $190K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $190K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $190K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.