| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E HORSTMANN FIN & INS SVCS | 205 E RIVER PARK CIR STE 220 FRESNO, CA 937201571 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 3.89% |
| CLYDE FORD3 | 8525 N CEDAR AVE STE 107 FRESNO, CA 937204833 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 1.67% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: JOHN HORSTMANN FINANCIAL & INSURANC | 205 E RIVER PARK CIR STE 220 FRESNO, CA 937201572 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 4.68% |
| HORSTMANN FINANCIAL & INSURANCE SER3 Filed as: HORSTMANN FINANCIAL SERVICES | — | FIDELITY SECURITY LIFE INSURANCE | $2K | — | $2K | 15.00% |
| HORSTMANN FINANCIAL & INSURANCE SER3 Filed as: HORSTMANN FINANCIAL SERVICES | 205 E RIVER PARK CIRCLE, STE 220 FRESNO, CA 93720 | TELADOC INC | $2K | — | $2K | 20.82% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 214 | $866K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 214 | $757K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 214 | $757K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 214 | $757K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 214 | $768K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.