| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E HORSTMANN FINANCIAL AND | INSURANCE SERVICES 205 E RIVER PARK CIR STE 220 FRESNO, CA 93720 | AETNA LIFE INSURANCE CO. | $21K | — | $21K | 5.15% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E HORSTMANN FINANCIAL & INS | SERVS 205 E RIVER PARK CIR STE 220 FRESNO, CA 937201571 | AMERITAS LIFE INSURANCE CORP. | $2K | $306 | $3K | 5.67% |
| HORSTMANN FINANCIAL & INSURANCE SER3 Filed as: HORSTMANN FINANCIAL & INSURANCE | SERVICES 205 E RIVER PARK CIR STE 220 FRESNO, CA 937201572 | METROPOLITAN LIFE INSURANCE COMPANY | $836 | — | $836 | 9.93% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | METROPOLITAN LIFE INSURANCE COMPANY | $418 | — | $418 | 4.97% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN E. HORSTMANN FINANCIAL & INSUR | — | FIDELITY SECURITY LIFE INSURANCE | $1K | — | $1K | 15.00% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 111 | $414K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 169 | $46K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $8K |
| Life insurance | AETNA LIFE INSURANCE CO. | 111 | $406K |
| Other | AETNA LIFE INSURANCE CO. | 111 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
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.