| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN E. HORSTMANN FINANCIAL & INSUR | 205 E. RIVER PARK CIRCLE, #220 FRESNO, CA 93720 | UNITEDHEALTHCARE INSURANCE COMPANY | $54K | — | $54K | 4.59% |
| 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 | 5.03% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E. HORTSMANN FINANCIAL & INSUR | 205 E. RIVER PARK CIRCLE, #220 FRESNO, CA 93720 | UNIMERICA LIFE INSURANCE SERVICES | $973 | — | $973 | 5.16% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E. HORSTMANN INSURANCE | 205 E. RIVER PARK CIRCLE, #160 FRESNO, CA 937201594 | VISION SERVICE PLAN | $912 | — | $912 | 6.27% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E. HORTSMANN FINANCIAL & INSUR | 205 E. RIVER PARK CIRCLE, #220 FRESNO, CA 93720 | UNIMERICA LIFE INSURANCE SERVICES | $588 | — | $588 | 8.27% |
| JOHN E. HORSTMANN FINANCIAL & INS3 | 205 E. RIVER PARK CIRCLE, #220 FRESNO, CA 93720 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | — |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 202 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 276 | $57K |
| Vision | VISION SERVICE PLAN | 104 | $15K |
| Life insurance(3 contracts, 2 carriers) | UNIMERICA LIFE INSURANCE SERVICES | 170 | $26K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 21 | $128K |
| Other(2 contracts) | UNIMERICA LIFE INSURANCE SERVICES | 170 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.
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.