| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 E RIVER PARK PLACE WEST SUITE 408 FRESNO, CA 937201565 | BERKLEY LIFE AND HEALTH INSURANCE CO | $68K | — | $68K | 11.00% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E HORSTMAN FINL & INS SVCS INC | 7112 N FRESNO STREET SUITE 220 FRESNO, CA 93720 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 7.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 45 E RIVER PARK PLACE WEST SUITE 408 FRESNO, CA 93720 | DELTA DENTAL OF CALIFORNIA | $1K | — | $1K | 2.42% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E HORSTMANN FINANCIAL & INS SV | 7112 N FRESNO ST SUITE 220 FRESNO, CA 93720 | SYMETRA LIFE INSURANCE COMPANY | $1K | $375 | $2K | 10.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 45 E RIVER PARK PL W SUITE 408 FRESNO, CA 93720 | SYMETRA LIFE INSURANCE COMPANY | $376 | — | $376 | 2.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMIN | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $135K |
| BLUE CROSS EIN 95-4331852 PPO/UR VENDOR | Direct payment from the plan; Other fees Service code 50 | — | $92K |
| HORSTMANN FINANCIAL EIN 94-2623528 BROKER | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $41K |
| GALLAGHER BENEFIT SERV EIN 36-4291971 BROKER | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $22K |
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 | 422 | 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) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 451 | $57K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 470 | $18K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO | 422 | $615K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 470 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.