| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAYLOR & ASSOCIATES BENEFITS SERVIC3 Filed as: TAYLOR & ASSOCIATES | 1501 F STREET MODESTO, CA 95354 | SUTTER HEALTH PLAN | $106K | — | $106K | 5.00% |
| TAYLOR & ASSOCIATES BENEFITS SERVIC3 Filed as: TAYLOR & ASSOCIATES | 1501 F STREET MODESTO, CA 95354 | AMERITAS LIFE INSURANCE CORP. | $22K | — | $22K | 10.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH STREET PHOENIX, AZ 85018 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
| TAYLOR & ASSOCIATES BENEFITS SERVIC3 Filed as: TAYLOR & ASSOCIATES | 1501 F STREET MODESTO, CA 95354 | VISION SERVICE PLAN | $2K | — | $2K | 4.07% |
| TAYLOR & ASSOCIATES BENEFITS SERVIC3 Filed as: TAYLOR & ASSOCIATES | 1501 F STREET MODESTO, CA 95354 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.01% |
| TAYLOR & ASSOCIATES BENEFITS SERVIC3 Filed as: TAYLOR & ASSOCIATES | 1501 F STREET MODESTO, CA 95354 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $642 | — | $642 | 9.68% |
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 | 361 | 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) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUTTER HEALTH PLAN | 435 | $2.1M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 239 | $216K |
| Vision | VISION SERVICE PLAN | 209 | $41K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 361 | $15K |
| Prescription drug | SUTTER HEALTH PLAN | 435 | $2.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 361 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.
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.