| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | SERVICES DBA BENEFIT MALL 5090 N 40TH ST SUITE 100 PHOENIX, AZ 850182112 | RELIASTAR LIFE INSURANCE COMPANY | — | $35K | $35K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | RELIASTAR LIFE INSURANCE COMPANY | $16K | — | $16K | 2.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | SERVICES, IN BRYAN WONG 2111 E HIGHLAND AVE SUITE B2 PHOENIX, AZ 850164733 | RELIASTAR LIFE INSURANCE COMPANY | $14K | — | $14K | 2.01% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E HORSTMAN FINL & INS SVCS INC | 205 E. RIVER PARK CIRCLE SUITE 220 FRESNO, CA 93720 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 8.01% |
| 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 | 2.67% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E HORSTMANN FINANCIAL & INS SV | 205 E RIVER PARK CIR SUITE 220 FRESNO, CA 93720 | SYMENTRA LIFE INSURANCE COMPANY | $2K | $491 | $2K | 11.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 45 E RIVER PARK PL W SUITE 408 FRESNO, CA 93720 | SYMENTRA LIFE INSURANCE COMPANY | $422 | — | $422 | 2.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | 2850 GOLF RD. 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMENTRA LIFE INSURANCE COMPANY | — | $185 | $185 | 1.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMIN | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $147K |
| BLUE CROSS EIN 95-4331852 PPO/UR VENDOR | Direct payment from the plan; Other fees Service code 50 | — | $123K |
| HORSTMANN FINANCIAL EIN 94-2623528 BROKER | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $44K |
| GALLAGHER BENEFIT SERV EIN 36-4291971 BROKER | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $23K |
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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 472 | $54K |
| Life insurance | SYMENTRA LIFE INSURANCE COMPANY | 523 | $18K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 455 | $698K |
| Other | SYMENTRA LIFE INSURANCE COMPANY | 523 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.