| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINTON-IRELAND INSURANCE AGENCY INC3 Filed as: WINTON-IRLEAND INSURANCE AGENCY | PO BOX 3277 TURLOCK, CA 95381 | BLUE SHIELD OF CALIFORNIA | — | $82K | $82K | 5.26% |
| WINTON-IRELAND INSURANCE AGENCY INC3 Filed as: WINTON-IRLEAND INSURANCE AGENCY | PO BOX 3277 TURLOCK, CA 95381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $743 | $8K | 7.72% |
| WINTON-IRELAND INSURANCE AGENCY INC3 Filed as: WINTON-IRLEAND INSURANCE AGENCY | PO BOX 3277 TURLOCK, CA 95381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $256 | $5K | 15.75% |
| WINTON-IRELAND INSURANCE AGENCY INC3 Filed as: WINTON-IRLEAND INSURANCE AGENCY | PO BOX 3277 TURLOCK, CA 95381 | VISION SERVICE PLAN | $1K | — | $1K | 5.33% |
| WINTON-IRELAND INSURANCE AGENCY INC3 Filed as: WINTON-IRELAND INSURANCE AGENCY | PO BOX 3277 TURLOCK, CA 95381 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $330 | — | $330 | 2.61% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | STE A-1 330 TRES PINOS RD HOLLISTER, CA 95023 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.21% |
| WINTON-IRELAND INSURANCE AGENCY INC3 Filed as: WINTON-IRLEAND INSURANCE AGENCY | PO BOX 3277 TURLOCK, CA 95381 | STARMOUNT LIFE INSURANCE COMPANY / UNUM | $15K | $88 | $15K | 1092.30% |
| WINTON-IRELAND INSURANCE AGENCY INC3 Filed as: WINTON-IRLEAND INSURANCE AGENCY | PO BOX 3277 TURLOCK, CA 95381 | HARTFORD LIFE AND ACCIDENT | $113 | — | $113 | 15.07% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 134 | $1.6M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY / UNUM | 151 | $1K |
| Vision | VISION SERVICE PLAN | 138 | $19K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $133K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 53 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $99K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 134 | $1.6M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.