| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN ULLRICH3 | PO BOX 579258 MODESTO, CA 95357 | KAISER FOUNDATION HEALTH PLAN, INC. | $114K | $21K | $135K | 2.84% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 SOUTH 400 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | WESTPORT INSURANCE CORPORATION | — | $15K | $15K | 3.37% |
| BRIAN ULLRICH3 | PO BOX 579258 MODESTO, CA 95357 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| BRIAN ULLRICH3 | PO BOX 579258 MODESTO, CA 95357 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 10.01% |
| BRIAN ULLRICH3 | PO BOX 579258 MODESTO, CA 95357 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 10.80% |
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 | 1,974 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,976 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 871 | $4.8M |
| Vision | VISION SERVICE PLAN | 2,243 | $273K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,140 | $297K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 723 | $436K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,140 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,140 | — |
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.