| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORSTMANN FINANCIAL & INSURANCE SER3 Filed as: HORSTMANN FIN & INS SVCS | 205 E RIVER PARK CIRCLE SUITE 220 FRESNO, CA 93720 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | $41K | — | $41K | 5.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | $22K | — | $22K | 2.80% |
| HORSTMANN FINANCIAL & INSURANCE SER Filed as: HORSTMANN FIN & INS SVCS | 205 E RIVER PARK CIRCLE SUITE 220 FRESNO, CA 93720 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 6.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 45 E RIVER PARK PL W STE 408 FRESNO, CA 93720 | DELTA DENTAL OF CALIFORNIA | $1K | — | $1K | 2.26% |
| HORSTMANN FINANCIAL & INSURANCE SER3 Filed as: HORSTMANN FIN & INS SVCS | 205 E RIVER PARK CIR SUITE 220 FRESNO, CA 93720 | SYMETRA LIFE INSURANCE COMPANY | $1K | $444 | $2K | 10.62% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | 45 E RIVER PARK PL W STE 408 FRESNO, CA 93720 | SYMETRA LIFE INSURANCE COMPANY | $339 | — | $339 | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | 2850 GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | — | $22 | $22 | 0.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROKERAGE CONCEPTS, INC EIN 11-3667763 CONTRACT ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | 801 LAKEVIEW DR BLUE BELL, PA 19422 | $258K |
| HORSTMANN FINANCIAL & INSURANCE SER EIN 94-2623528 BROKER | Insurance agents and brokers; Direct payment from the plan Service code 22 | 205 E RIVERPARK CIRCLE SUITE 220 FRESNO, CA 93720 | $35K |
| GALLAGHER BENEFIT SERVICES INC EIN 36-4291971 BROKER | Insurance agents and brokers; Direct payment from the plan Service code 22 | 45 E RIVER PARK PLACE WEST STE 605 FRESNO, CA 37209 | $19K |
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 | 464 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 373 | $48K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 464 | $17K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 464 | $790K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 464 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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.