| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK L ERHART INSURANCE SERVICES3 | 2945 TOWNSGATE ROAD, SUITE 200 THOUSAND OAKS, CA 91362 | BLUE CROSS OF CALIFORNIA | $602K | $0 | $602K | 3.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | BLUE CROSS OF CALIFORNIA | $161K | $0 | $161K | 0.97% |
| PATRICK ERHART3 Filed as: PATRICK LOREN ERHART | 1693 ABBOTSBURY STREET WESTLAKE VILLAGE, CA 91361 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 5.22% |
| PATRICK L ERHART INSURANCE SERVICES3 | 2945 TOWNSGATE ROAD, SUITE 200 THOUSAND OAKS, CA 91362 | STANDARD INSURANCE COMPANY | $13K | $3K | $17K | 9.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 2.51% |
| PATRICK L ERHART INSURANCE SERVICES3 | 2945 TOWNSGATE ROAD, SUITE 200 WESTLAKE VILLAGE, CA 91361 | VISION SERVICE PLAN | $1K | $0 | $1K | 0.72% |
| HOME OFFICE TPA PAYS COMMISSION3 Filed as: HOME OFFICE DIRECT | ONE HARTFORD PLAZA HARTFORD, CT 06155 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 6.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 4.91% |
| PATRICK L ERHART INSURANCE SERVICES3 | 2945 TOWNSGATE ROAD, SUITE 200 WESTLAKE VILLAGE, CA 91361 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 1.24% |
| PATRICK L ERHART INSURANCE SERVICES3 | 2945 TOWNSGATE ROAD, SUITE 200 THOUSAND OAKS, CA 91362 | ANTHEM LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
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 | 546 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 1,423 | $16.7M |
| Dental | BLUE CROSS OF CALIFORNIA | 1,423 | $16.7M |
| Vision | VISION SERVICE PLAN | 554 | $156K |
| Life insurance(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 563 | $370K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 552 | $399K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 552 | $399K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 1,423 | $16.7M |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 1,423 | $17.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,423 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.