| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TSM INSURANCE & FINANCIAL SERVICES3 Filed as: TSM INSURANCE AND FINANCIAL | SERVICES, INC. 1317 OAKDALE RD STE 910 MODESTO, CA 953553369 | KAISER FOUNDATION HEALTH PLAN INC | $25K | — | $25K | 3.84% |
| ANDREINI & COMPANY3 | 220 W 20TH AVE SAN MATEO, CA 944031339 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 0.77% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE SERVICES, INC. | 1299 NEWELL HILL PLACE SUITE 301 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $1 | $2K | 0.37% |
| TSM INSURANCE & FINANCIAL SERVICES3 Filed as: TSM INSURANCE SERVICES | 1317 OAKDALE RD STE 910 MODESTO, CA 953553369 | SUTTER HEALTH PLAN | $19K | — | $19K | 3.77% |
| ANDREINI & COMPANY3 | 220 W 20TH AVE SAN MATEO, CA 944031339 | SUTTER HEALTH PLAN | $4K | — | $4K | 0.85% |
| TSM INSURANCE3 | 1317 OAKDALE ROAD #910 MODESTO, CA 95355 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.32% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.09% |
| TSM INSURANCE & FINANCIAL SERVICES3 Filed as: TSM INS AND FINANCIAL SERVICES | 1317 OAKDALE RD STE 910 MODESTO, CA 953553369 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.50% |
| EVCO INSURANCE SERVICES INC3 | 1299 NEWELL HILL PLACE STE 301 WALNUT CREEK, CA 94596 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $834 | — | $834 | 1.59% |
| ANDREINI & COMPANY3 | STE 100 ONE MACARTHUR PL SANTA ANA, CA 92707 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $798 | — | $798 | 1.53% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN ST #200 IRVINE, CA 92614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $1K | $18K | 67.20% |
| TSM INSURANCE & FINANCIAL SERVICES3 Filed as: TSM INS AND FINANCIAL | SERVICES INC 1317 OAKDALE RD STE 910 MODESTO, CA 95355 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 27.00% |
| TSM INSURANCE & FINANCIAL SERVICES3 Filed as: TSM INSURANCE AND FINANCIAL SERVICE | — | VISION SERVICE PLAN | $933 | — | $933 | 3.66% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE SERVICES, INC. | 1299 NEWELL HILL PL STE 301 WALNUT CREEK, CA 945965231 | VISION SERVICE PLAN | $193 | — | $193 | 0.76% |
| ANDREINI & COMPANY3 Filed as: ANDREINI & CO. | 220 W 20TH AVE SAN MATEO, CA 944031339 | VISION SERVICE PLAN | $117 | — | $117 | 0.46% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN ST #200 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 49.51% |
| TSM INSURANCE & FINANCIAL SERVICES3 Filed as: TSM INS AND FINANCIAL | SERVICES INC 1317 OAKDALE RD STE 910 MODESTO, CA 95355 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 19.41% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 97 | $1.2M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 151 | $123K |
| Vision | VISION SERVICE PLAN | 134 | $25K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $79K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $52K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $52K |
| Prescription drug | SUTTER HEALTH PLAN | 80 | $501K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
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.