| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN ULLRICH3 | PO BOX 579258 MODESTO, CA 95357 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $40K | $40K | 0.17% |
| BRIAN ULLRICH3 | PO BOX 579258 MODESTO, CA 95357 | KAISER FOUNDATION HEALTH PLAN INC. | $209K | — | $209K | 2.58% |
| BRIAN ULLRICH3 | PO BOX 579258 MODESTO, CA 95357 | KAISER FOUNDATION HEALTH PLAN, INC. | $154K | — | $154K | 2.51% |
| BRIAN ULLRICH3 | PO BOX 579258 MODESTO, CA 95357 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 10.00% |
| BRIAN ULLRICH3 Filed as: BRIAN M. ULLRICH | PO BOX 579258 MODESTO, CA 95353 | UNUM INSURANCE COMPANY | $21K | $25K | $46K | 35.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRISTAR BENEFIT ADMINISTRATORS EIN 38-3739503 | Claims processing Service code 12 | 12257 UNIVERSITY STE 200 CLIVE, IA 50325 | $224K |
| S&S HEALTHCARE STRATEGIES, LTD EIN 31-1418743 | Other services Service code 49 | 1385 KEMPER MEADOW DR. CINCINNATI, OH 45240 | $72K |
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 | 9,806 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 8,689 | $37.6M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 935 | $279K |
| Other | UNUM INSURANCE COMPANY | 665 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,689 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.