| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN E. HORSTMANN FINANCIAL & INS3 | 205 E. RIVER PARK CIRCLE, #220 FRESNO, CA 93720 | BLUE SHIELD OF CALIFORNIA | — | $70K | $70K | 5.26% |
| JOHN E. HORSTMANN FINANCIAL & INS3 | 205 E. RIVER PARK CIR STE 220 FRESNO, CA 93720 | HARTFORD LIFE AND ACCIDENT | $13K | $387 | $13K | 10.30% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E. HORTSMANN FINANCIAL & INSUR | 205 E. RIVER PARK CIRCLE, #220 FRESNO, CA 93720 | AMERITAS | $2K | $406 | $3K | 3.64% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E. HORSTMANN INSURANCE | 205 E. RIVER PARK CIRCLE, #220 FRESNO, CA 937201572 | VISION SERVICE PLAN | $1K | — | $1K | 5.65% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E. HORTSMANN FINANCIAL & INSUR | 205 E. RIVER PARK CIRCLE, #220 FRESNO, CA 93720 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $386 | — | $386 | 5.01% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 254 | $1.3M |
| Dental | AMERITAS | 272 | $75K |
| Vision | VISION SERVICE PLAN | 119 | $19K |
| Life insurance | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 0 | $8K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 26 | $129K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 254 | $1.3M |
| Other | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | 0 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.