| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TSM INSURANCE3 Filed as: TSM INSURANCE & FINACIAL SERVICES | 1317 OAKDALE RD SUITE 910 MODESTO, CA 93351 | BLUE SHIELD OF CA | $25K | — | $25K | 5.00% |
| TSM INSURANCE3 Filed as: TSM INSURANCE & FINACIAL SERVICES | 1317 OAKDALE RD SUITE 910 MODESTO, CA 93351 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.80% |
| TSM INSURANCE3 Filed as: TSM INSURANCE & FINACIAL SERVICES | 1317 OAKDALE RD SUITE 910 MODESTO, CA 93351 | VISION SERVICE PLAN | $1K | — | $1K | 5.53% |
| TSM INSURANCE3 Filed as: TSM INSURANCE & FINACIAL SERVICES | 1317 OAKDALE RD SUITE 910 MODESTO, CA 93351 | UNUM | $800 | — | $800 | 9.61% |
| TSM INSURANCE Filed as: TSM INSURANCE & FINACIAL SERVICES | 1317 OAKDALE RD SUITE 910 MODESTO, CA 93351 | UNUM VOLUNTARY | $1K | — | $1K | 14.65% |
| TSM INSURANCE3 Filed as: TSM INSURANCE & FINACIAL SERVICES | 1317 OAKDALE RD SUITE 910 MODESTO, CA 93351 | CALIFORNIA DENTAL NETWORK | $2K | — | $2K | 100.00% |
| TSM INSURANCE3 | 1317 OAKDALE RD SUITE 910 MODESTO, CA 93351 | KAISER PERMANENTE | $31K | — | $31K | — |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CA | 127 | $498K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 66 | $57K |
| Vision | VISION SERVICE PLAN | 125 | $20K |
| Life insurance(2 contracts, 2 carriers) | UNUM | 133 | $16K |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CA | 127 | $498K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.