| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAYLOR & ASSOCIATES BENEFITS SERVIC3 Filed as: TAYLOR & ASSOCIATES BENEFITS | 1501 F STREET MODESTO, CA 953542522 | SUTTER HEALTH PLAN | $73K | — | $73K | 3.63% |
| ADSH INVESTMENTS3 Filed as: ADSH INVESTMENTS II, INC. | 23716 BIRTHCHER DRIVE LAKE FOREST, CA 926301771 | SUTTER HEALTH PLAN | $27K | — | $27K | 1.37% |
| TAYLOR & ASSOCIATES BENEFITS SERVIC3 Filed as: TAYLOR, CHRISTOPHER, JOSEPH | 1501 F STREET MODESTO, CA 953542522 | AMERITAS LIFE INSURANCE CORPORATION | $23K | $1K | $25K | 8.47% |
| BENEFITS EXCHANGE ALLIANCE3 Filed as: BENEFITS EXCHANGE ALLIANCE INC. | 23716 BIRTCHER DRIVE LAKE FOREST, CA 926301771 | AMERITAS LIFE INSURANCE CORPORATION | $6K | — | $6K | 2.04% |
| EMERSON REID LLC3 | 5200 N. PALM AVENUE, #114 FRESNO, CA 937042225 | AMERITAS LIFE INSURANCE CORPORATION | $4K | — | $4K | 1.39% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUTTER HEALTH PLAN | 457 | $2.0M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 688 | $291K |
| Vision | VISION SERVICE PLAN | 281 | $53K |
| Prescription drug | SUTTER HEALTH PLAN | 457 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.