| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E HORSTMANN | 205 E RIVER PARK CIR SUITE 220 FRESNO, CA 93720 | BLUE SHIELD OF CA | $106K | — | $106K | 7.66% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INSURANCE SER | 2211 MICHELSON DRIVE STE 1200 IRVINE, CA 92612 | BLUE SHIELD OF CA | $69K | — | $69K | 4.95% |
| HORSTMANN FINANCIAL & INSURANCE SER3 | 205 E RIVER PARK CIR SUITE 220 FRESNO, CA 93720 | BLUE SHIELD OF CA | $39K | — | $39K | 3.91% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INSURANCE SER | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | BLUE SHIELD OF CA | $21K | — | $21K | 2.10% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E HORSTMANN FIN INS | 205 EAST RIVE PARK CIRCLE SUITE 220 FRESNO, CA 83720 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.33% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INSURANCE SER | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 62612 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.77% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E HORSTMANN FINANCIAL | 205 E RIVER PARK CIR FRESNO, CA 93720 | SYMETRA LIFE INSURANCE COMPANY | $2K | $474 | $2K | 10.47% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INSURANCE SER | 2211 MICHELSON DRIVE STE 1200 IRVINE, CA 92612 | SYMETRA LIFE INSURANCE COMPANY | $383 | — | $383 | 2.00% |
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 | 440 | 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) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CA | 433 | $990K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 435 | $27K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 540 | $19K |
| Stop-loss / reinsurancereinsurance | BLUE SHIELD OF CA | 442 | $1.4M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 540 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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.