| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEAN CRISP & ASSOCIATES3 Filed as: SEAN ALLAN CRISP | 915 13TH ST MODESTO, CA 953540903 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $27K | $27K | 7.38% |
| SIMRAN K ATWAL3 Filed as: SIMRAN ATWAL | 3255 W MARCH LN STE 300 STOCKTON, CA 95219 | BLUE CROSS BLUE SHIELD OF ARIZONA | $12K | — | $12K | 3.87% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 7310 N 16TH ST STE 226 PHOENIX, AZ 85020 | BLUE CROSS BLUE SHIELD OF ARIZONA | $0 | — | $0 | 0.00% |
| SIMRAN K ATWAL3 | 3255 W MARCH LANE #300 STOCKTON, CA 95219 | PREMIER ACCESS INSURANCE COMPANY | $2K | — | $2K | 1.98% |
| SEAN CRISP & ASSOCIATES3 | 915 13TH ST MODESTO, CA 95678 | PREMIER ACCESS INSURANCE COMPANY | $908 | — | $908 | 1.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL DBA TEVIS INS | 970 RESERVE DRIVE #200 ROSEVILLE, CA 95678 | PREMIER ACCESS INSURANCE COMPANY | $454 | — | $454 | 0.58% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAPIDS, IA 52401 | PREMIER ACCESS INSURANCE COMPANY | $117 | — | $117 | 0.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PREMIER ACCESS INSURANCE COMPANY | $27 | — | $27 | 0.03% |
| ATWAL, SIMRAN3 | 3255 W MARCH LN STE 300 STOCKTON, CA 95219 | NEW YORK LIFE INSURANCE COMPANY | $4K | — | $4K | 15.01% |
| DISABILITY RMS5 | 300 SOUTHBOROUGH DRIVE SUITE 200 SOUTH PORTLAND, ME 041066914 | NEW YORK LIFE INSURANCE COMPANY | $0 | $4K | $4K | 14.00% |
| SEAN CRISP & ASSOCIATES3 Filed as: SEAN CRISP & ASSOCIATES INSURANCE | 915 13TH ST MODESTO, CA 95354 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.50% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $906 | — | $906 | 4.77% |
| SEAN CRISP & ASSOCIATES3 Filed as: SEAN CRISP & ASSOCIATES INSURANCE | 915 13TH STREET MODESTO, CA 95354 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $641 | — | $641 | 3.38% |
| SIMRAN K ATWAL3 | 3255 W MARCH LN. #300 STOCKTON, CA 95219 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $164 | — | $164 | 0.86% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $676K |
| Dental(2 contracts) | PREMIER ACCESS INSURANCE COMPANY | 280 | $78K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 269 | $329K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE INSURANCE COMPANY | 550 | $53K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $676K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 550 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.