| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN E. HORSTMANN FINANCIAL & INS3 | 205 E. RIVER PARK CIRCLE, #220 FRESNO, CA 93720 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $47K | — | $47K | 4.06% |
| JOHN E. HORSTMANN FINANCIAL & INS3 | 7112 N. FRESNO STREET, #220 FRESNO, CA 93720 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 10.00% |
| HORSTMANN FINANCIAL & INSURANCE SER3 Filed as: HORSTMANN FINANCIAL & INSURANCE | 205 E. RIVER PARK CIRCLE, #220 FRESNO, CA 937201572 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.22% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E. HORSTMANN INSURANCE | 205 E. RIVER PARK CIRCLE, #160 FRESNO, CA 937201594 | VISION SERVICE PLAN | $896 | — | $896 | 6.36% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 211 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $64K |
| Vision | VISION SERVICE PLAN | 94 | $14K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 211 | $1.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 23 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.