| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINTON-IRELAND INS AGENCY3 | 687 E. CANAL DR TURLOCK, CA 95380 | BLUE SHIELD OF CALIFORNIA | $11K | $82K | $93K | 5.58% |
| WINTON-IRELAND INS AGENCY3 | PO BOX 3277 TURLOCK, CA 95381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $599 | $7K | 8.73% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFITS ADVISOR | 2400 MAIN ST #200 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $2K | $18K | 48.99% |
| WINTON-IRELAND INSURANCE AGENCY INC3 Filed as: WINTON-IRELAND INSURANCE AGENCY | PO BOX 3277 TURLOCK, CA 95381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 18.71% |
| WINTON-IRELAND INS AGENCY3 | PO BOX 3277 TURLOCK, CA 95381 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $192 | $4K | 15.75% |
| WINTON-IRELAND INS AGENCY3 | PO BOX 3277 TURLOCK, CA 953803277 | VISION SERVICE PLAN | $939 | — | $939 | 6.13% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFITS ADVISOR | 2400 MAIN ST #200 IRVINE, CA 92614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $634 | $5K | 41.12% |
| WINTON-IRELAND INS AGENCY3 | PO BOX 3277 TURLOCK, CA 95381 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 15.73% |
| 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 | $6 | — | $6 | 0.05% |
| WINTON-IRELAND INS AGENCY3 | 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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 220 | $1.7M |
| Dental | BLUE SHIELD OF CALIFORNIA | 220 | $1.7M |
| Vision | VISION SERVICE PLAN | 122 | $15K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $105K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $80K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 220 | $1.7M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.