| 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 | $79K | — | $79K | 4.98% |
| JOHN E. HORSTMANN FINANCIAL & INS3 | 205 E. RIVER PARK CIR STE 220 FRESNO, CA 93720 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 10.00% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E. HORTSMANN FINANCIAL & INSUR | 205 E. RIVER PARK CIRCLE, #220 FRESNO, CA 93720 | AMERITAS | $3K | $403 | $4K | 3.87% |
| 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 | 5.63% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E. HORTSMANN FINANCIAL & INSUR | 205 E. RIVER PARK CIRCLE, #220 FRESNO, CA 93720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 8.46% |
| THERESA NETTO PHILLIPS3 | 6219 S CLARA FRESNO, CA 93706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $427 | $40 | $467 | 3.42% |
| BARRY W MAAS3 Filed as: BARRY W. MAAS | 1272 W. MORAGA RD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $319 | $37 | $356 | 2.61% |
| LORRIE ANN RODRIGUEZ3 | 6142 N. IVANHO AVE FRESNO, CA 93722 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.12% |
| ROSE RODRIGUEZ CUEVAS3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.07% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 201 | $1.6M |
| Dental | AMERITAS | 299 | $93K |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 201 | $1.6M |
| Life insurance | ANTHEM BLUE CROSS | 201 | $1.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 26 | $137K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 15 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.