| 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 | $43K | $0 | $43K | 3.11% |
| TSM INSURANCE3 | 1317 OAKDALE RD STE 910 MODESTO, CA 95355 | UNITED HEALTH CARE | $26K | $0 | $26K | 3.50% |
| TSM INSURANCE & FINANCIAL SERVICES3 Filed as: TSM INSURANCE & FINANCIAL SERVICES, | 1317 OAKDALE ROAD #910 MODESTO, CA 95355 | PREMIER ACCESS INSURANCE COMPANY | $16K | $0 | $16K | 9.88% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 669 RIVER DR CTR II STE 305 ELMWOOD PARK, NJ 07407 | PREMIER ACCESS INSURANCE COMPANY | $8K | $0 | $8K | 4.94% |
| TSM INSURANCE & FINANCIAL SERVICES3 Filed as: TSM INSURANCE & FINANCIAL SERVICES, | 1317 OAKDALE RD STE 910 MODESTO, CA 953553369 | SUTTER HEALTH PLAN | $7K | $0 | $7K | 5.00% |
| TSM INSURANCE & FINANCIAL SERVICES3 Filed as: TSM INSURANCE AND FINL SRVCS | 1317 OAKDALE RD STE 910 MODESTO, CA 953553369 | UNUM LIFE INS | $8K | $0 | $8K | 6.08% |
| ZIRPEL, DOUGLAS3 | 1539 PETE CT MANTECA, CA 95337 | UNUM LIFE INS | -$28 | $0 | -$28 | -0.02% |
| STEWART, BRIAN A3 | 366 W F ST OAKDALE, CA 95361 | UNUM LIFE INS | -$28 | $0 | -$28 | -0.02% |
| TSM INSURANCE3 | 1317 OAKDALE RD, STE 910 MODESTO, CA 95355 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.87% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 891352958 | VISION SERVICE PLAN | $257 | $0 | $257 | 0.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TASC EIN 39-1561025 INS AGENT | Contract Administrator Service code 13 | 2302 INTERNATIONAL LN MADISON, WI 53704 | $4K |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 186 | $2.2M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 304 | $160K |
| Vision | VISION SERVICE PLAN | 146 | $27K |
| Life insurance | UNUM LIFE INS | 228 | $136K |
| Long-term disability | UNUM LIFE INS | 228 | $136K |
| Prescription drug | SUTTER HEALTH PLAN | 48 | $141K |
| Other | UNUM LIFE INS | 228 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
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.