| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN ULLRICH3 | PO BOX 579258 MODESTO, CA 95357 | UNITEDHEALTHCARE INSURANCE COMPANY | $104K | — | $104K | 0.23% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: EPIQ RISK MANAGEMENT & INSURANCE | PO BOX 579258 MODESTO, CA 95357 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $308K | — | $308K | 10.57% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 940 ADAMS STREET SUITE G BENICIA, CA 94510 | COMPANION LIFE INS CO OF CALIF-PACS CA | — | $76K | $76K | 7.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 940 ADAMS STREET SUITE G BENICIA, CA 94510 | COMPANION LIFE INS CO-PACS UTAH | — | $62K | $62K | 7.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: EPIQ RISK MANAGEMENT AND INSURANCE | PO BOX 579258 MODESTO, CA 95357 | STANDARD INSURANCE COMPANY | $77K | — | $77K | 9.90% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 940 ADAMS STREET SUITE G BENICIA, CA 94510 | COMPANION LIFE INS CO-PACS CENTRAL | — | $48K | $48K | 7.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 940 ADAMS STREET SUITE G BENICIA, CA 94510 | COMPANION LIFE INS CO-PACS MIDWEST | — | $48K | $48K | 7.00% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 940 ADAMS STREET SUITE G BENICIA, CA 94510 | COMPANION LIFE INS CO-PACS SOUTHEAST | — | $43K | $43K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRISTAR BENEFIT ADMINISTRATORS EIN 38-3739503 | Claims processing Service code 12 | 12257 UNIVERSITY STE 200 CLIVE, IA 50325 | $1.2M |
| S&S HEALTHCARE STRATEGIES, LTD EIN 31-1418743 | Other services Service code 49 | 1385 KEMPER MEADOW DR. CINCINNATI, OH 45240 | $586K |
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 | 6,113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 14,622 | $94.6M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 25,744 | $3.7M |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 25,744 | $3.7M |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 25,744 | $3.7M |
| Stop-loss / reinsurancereinsurance(5 contracts, 5 carriers) | COMPANION LIFE INS CO OF CALIF-PACS CA | 579 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,744 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.