| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALLEY BENEFITS INSURANCE SERVICES3 Filed as: VALLEY BENEFITS INS SERV | 1317 OAKDALE RD STE 910 MODESTO, CA 95355 | KAISER FOUNDATION HEALTH PLAN INC | $20K | $0 | $20K | — |
| VALLEY BENEFITS INSURANCE SERVICES3 Filed as: VALLEY BENEFIT INS SERV | 1317 OAKDALE RD STE 910 MODESTO, CA 95355 | PREMIER ACCESS INS CO | $4K | — | $4K | — |
| VALLEY BENEFITS INSURANCE SERVICES3 Filed as: VALLEY BENEFITS INS SERV | 1317 OAKDALE RD STE 910 MODESTO, CA 95355 | BLUE SHIELD OF CALIF | $21K | — | $21K | — |
| ZIRPEL, DOUGLAS3 | 1539 PETE CT MANTECA, CA 95337 | UNUM LIFE INS | — | $0 | $0 | — |
| STEWART, BRIAN A3 | 366 W F ST OAKDALE, CA 95361 | UNUM LIFE INS | $0 | $0 | $0 | — |
| ZIRPEL, DOUGLAS3 | 1539 PETE CT MANTECA, CA 95337 | UNUM LIFE INS CO | $3K | $0 | $3K | — |
| STEWART, BRIAN A3 Filed as: STEWART, BRIAN | 366 W F ST OAKDALE, CA 95361 | UNUM LIFE INS CO | $3K | $0 | $3K | — |
| TSM INSURANCE & FINANCIAL SERVICES3 Filed as: TSM INS AND FINL SERV | 1317 OAKDALE RD STE 910 MODESTO, CA 953553369 | UNUM LIFE INS CO | — | — | $0 | — |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 102 | $0 |
| Dental | PREMIER ACCESS INS CO | 107 | $0 |
| Life insurance(2 contracts) | UNUM LIFE INS | 154 | $0 |
| Long-term disability | UNUM LIFE INS CO | 154 | $0 |
| Prescription drug | BLUE SHIELD OF CALIF | 39 | $0 |
| Other(3 contracts) | UNUM LIFE INS | 154 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.