| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E HORSTMANN FINANCIAL & INS SE | 205 E RIVER PARK CIR STE 220 FRESNO, CA 937201571 | AMERITAS LIFE INSURANCE CORP. | $2K | $167 | $2K | 5.56% |
| JOHN E. HORSTMANN FINANCIAL & INS3 Filed as: JOHN E HORTSTMANN FINCL INS SVS | 205 E RIVER PARK CIRCLE SUITE 220 FRESNO, CA 93720 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 10.66% |
| HORSTMANN FINANCIAL & INSURANCE SER3 | 205 E RIVER PARK CIRCLE SUITE 220 FRESNO, CA 937201572 | METROPOLITAN LIFE INSURANCE COMPANY | $663 | — | $663 | 9.15% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 913614026 | METROPOLITAN LIFE INSURANCE COMPANY | $332 | — | $332 | 4.58% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 134 | $30K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 134 | $37K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 395 | $15K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 395 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.