| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TSM INSURANCE & FINANCIAL SERVICES3 | 1317 OAKDALE ROAD-BLDG 910 MODESTO, CA 95355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 350 FIFTH AVENUE - SUITE 3700 NEW YORK, NY 10118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $761 | $761 | 1.54% |
| TSM INSURANCE & FINANCIAL SERVICES3 | 1317 OAKDALE ROAD, BLDG 910 MODESTO, CA 95355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $428 | — | $428 | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON RROGERS LLC | 1787 SENTRY PKWY W, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $214 | — | $214 | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | THE EMPIRE STATE BUILDING 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $70 | $70 | 1.63% |
| TSM INSURANCE & FINANCIAL SERVICES3 | 1317 OAKDALE ROAD, BLDG. 910 MODESTO, CA 95355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $137 | — | $137 | 14.99% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS LLC | 1787 SENTRY PKWY W, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $46 | — | $46 | 5.03% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | THE EMPIRE STATE BUILDING 350 FIFTH AVENUE NEW YORK, NY 10118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14 | $14 | 1.53% |
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 | 189 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $49K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10 | $914 |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10 | $4K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.