| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN E. HORSTMANN FINANCIAL & INS3 | 205 E. RIVER PARK CIRCLE, #220 FRESNO, CA 93720 | UNITEDHEALTHCARE INSURANCE COMPANY | $60K | — | $60K | 5.44% |
| JOHN E. HORSTMANN FINANCIAL & INS3 | 7112 N. FRESNO STREET, #220 FRESNO, CA 93720 | HARTFORD LIFE AND ACCIDENT | $12K | $768 | $13K | 10.64% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E. HORTSMANN FINANCIAL & INSUR | 205 E. RIVER PARK CIRCLE, #220 FRESNO, CA 93720 | AMERITAS | $3K | — | $3K | 5.11% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E. HORSTMANN INSURANCE | 205 E. RIVER PARK CIRCLE, #220 FRESNO, CA 937201572 | VISION SERVICE PLAN | $961 | — | $961 | 6.03% |
| 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 | $789 | — | $789 | 10.77% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $1.1M |
| Dental | AMERITAS | 261 | $64K |
| Vision | VISION SERVICE PLAN | 104 | $16K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 22 | $120K |
| Other | UNIMERICA LIFE INSURANCE SERVICES | 182 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.