| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINTON-IRELAND INSURANCE AGENCY INC3 Filed as: WINTON-IRELAND INSURANCE AGCY INC | PO BOX 3277 TURLOCK, CA 953813277 | SYMETRA LIFE INSURANCE COMPANY | $44K | $40K | $84K | 19.00% |
| WINTON-IRELAND INSURANCE AGENCY INC3 Filed as: WINTON-IRELAND INSURANCE AGCY INC | PO BOX 3277 TURLOCK, CA 953813277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.64% |
| WINTON-IRELAND INSURANCE AGENCY INC3 Filed as: WINTON-IRELAND INSURANCE AGCY INC | PO BOX 3277 TURLOCK, CA 953813277 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| RODNEY HENSLEY3 | 167 CHEROKEE COURT VACAVILLE, CA 95688 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $406 | $812 | $1K | 15.00% |
| WINTON-IRELAND INSURANCE AGENCY INC3 Filed as: WINTON-IRELAND INSURANCE AGCY INC | PO BOX 3277 TURLOCK, CA 953813277 | UNION SECURITY INSURANCE COMPANY | $810 | — | $810 | 13.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMBINED BENEFITS ADMINISTRATORS EIN 77-0408979 IND. SERVICE PROVIDER | Claims processing Service code 12 | 4704 W JENNIFER 104 FRESNO, CA 93722 | $72K |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $25K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $17K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 225 | $22K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 196 | $444K |
| Other | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 27 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.