| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN E HORSTMANN FINANCIAL & I | 205 E RIVER PARK CIR SUITE 220 FRESNO, CA 93720 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $62K | — | $62K | 6.50% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAN BENEFITS | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $7K | $26K | 2.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERIVICES INC | 45 E RIVER PARK PLACE WEST SUITE 605 FRESNO, CA 93720 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $5K | $19K | 1.98% |
| HORTSMANN FINANCIAL & INSURANCE SER3 | 205 E RIVER PARK CIR SUITE 220 FRESNO, CA 93720 | BLUE SHIELD OF CA | $41K | — | $41K | 4.62% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE SUITE1200 IRVINE, CA 92612 | BLUE SHIELD OF CA | $11K | — | $11K | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 45 E RIVER PARK PLACE WEST STE 605 FRESON, CA 37209 | BLUE SHIELD OF CA | $9K | — | $9K | 0.97% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN E HORSTMANN FINANCIAL & I | — | DELTA DENTAL | $3K | — | $3K | 1.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | — | DELTA DENTAL | $1K | — | $1K | 0.39% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E HROSTMANN FIN INS | 205 EAST RIVER PARK CIRCLE SUITE 22 FRESON, CA 93720 | GUARDIAN | $4K | — | $4K | 19.57% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INSURANCE SER | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | GUARDIAN | $696 | — | $696 | 3.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60006 | GUARDIAN | $481 | — | $481 | 2.40% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN E HORSTMANN FINANCIAL & I | 205 E RIVER PARK CIR FRESON, CA 93720 | SYMETRA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.62% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | SYMETRA LIFE INSURANCE COMPANY | $197 | — | $197 | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 45 E RIVER PARK PL W STE 408 FRESON, CA 93720 | SYMETRA LIFE INSURANCE COMPANY | $157 | — | $157 | 0.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | 2850 GOLF RD 5TH FLR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $0 | $114 | $114 | 0.59% |
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 | 464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CA | 397 | $878K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 405 | $298K |
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 556 | $1.9M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 556 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.