| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINTON-IRELAND INS AGENCY3 | 687 E. CANAL DR TURLOCK, CA 95380 | BLUE SHIELD OF CALIFORNIA | $0 | $86K | $86K | 5.34% |
| WINTON-IRELAND INS AGENCY3 | PO BOX 3277 TURLOCK, CA 95381 | STARMOUNT LIFE INSURANCE COMPANY | $12K | $889 | $12K | 10.39% |
| WINTON-IRELAND INS AGENCY3 | PO BOX 3277 TURLOCK, CA 95381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $620 | $7K | 8.20% |
| WINTON-IRELAND INS AGENCY3 | PO BOX 3277 TURLOCK, CA 95381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $226 | $5K | 15.75% |
| WINTON-IRELAND INS AGENCY3 | PO BOX 3277 TURLOCK, CA 953803277 | VISION SERVICE PLAN | $1K | — | $1K | 5.98% |
| WINTON-IRELAND INS AGENCY3 | PO BOX 3277 TURLOCK, CA 95381 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $310 | — | $310 | 3.57% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | 330 TRES PINOS RD STE A-1 HOLLISTER, CA 95023 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| WINTON-IRELAND INS AGENCY3 | PO BOX 3277 TURLOCK, CA 95381 | HARTFORD LIFE AND ACCIDENT | $112 | — | $112 | 14.93% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 119 | $1.6M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 140 | $120K |
| Vision | VISION SERVICE PLAN | 123 | $17K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $113K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 46 | $9K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $83K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 119 | $1.6M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 171 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.