| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN E. HORSTMANN FINANCIAL & INS3 | 205 E. RIVER PARK CIRCLE, #220 FRESNO, PA 93720 | ANTHEM BLUE CROSS | $73K | $0 | $73K | 4.11% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR SUITE 215 FT WASHINGTON, PA 19034 | ANTHEM BLUE CROSS | $16K | $0 | $16K | 0.87% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | HARTFORD LIFE AND ACCIDENT | $15K | $0 | $15K | 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 | $0 | $3K | 3.11% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1465 N MCDOWELL BLVD SUITE 180 PETALUMA, CA 93720 | AMERITAS | $213 | $0 | $213 | 0.23% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E. HORSTMANN INSURANCE | 205 E. RIVER PARK CIRCLE, #220 FRESNO, CA 937201572 | VISION SERVICE PLAN | $873 | $0 | $873 | 4.32% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | VISION SERVICE PLAN | $588 | $0 | $588 | 2.91% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E HORSTMANN FINANCIAL & INS | 205 E RIVER PARK CIR SUITE 220 FRESNO, CA 93720 | STANDARD INSURANCE COMPANY | $458 | $0 | $458 | 7.81% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR SUITE 215 FT WASHINGTON, PA 19034 | STANDARD INSURANCE COMPANY | $128 | $0 | $128 | 2.18% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E HORSTMANN FINANCIAL & INS | 205 E RIVER PARK CIR SUITE 220 FRESNO, CA 93720 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $131 | $0 | $131 | 6.58% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 154 | $1.8M |
| Dental | AMERITAS | 151 | $93K |
| Vision | VISION SERVICE PLAN | 138 | $20K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 234 | $8K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 27 | $152K |
| Other | HALCYON BEHAVIORAL, LLC | 231 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.