| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | 8950 CAL CENTER DRIVE BUILDING 3, SUITE 200 SACRAMENTO, CA 95826 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.29% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | 1357 EAST LASSEN AVENUE CHICO, CA 95973 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.16% |
| LEFTOUT CAPITAL INC3 Filed as: LEFTOUT CAPITTAL INC | 1053 VILLAGE LANE CHICO, CA 95926 | AFLAC | $3K | $96 | $3K | 9.90% |
| MELANIE BRUBAKER3 | 4211 LEFTOUT LANE, SUITE 130 CHICO, CA 95973 | AFLAC | $821 | $0 | $821 | 2.58% |
| JEFFREY BRYAN MONNIG3 Filed as: JEFFREY MONNIG | 8711 EAST MEADOW RIDGE ROAD FORT MILL, SC 29707 | AFLAC | $693 | $0 | $693 | 2.18% |
| MJ INSURANCE3 Filed as: RYAN OLSON AND VARIOUS AGENTS | 1294 EAST 1ST AVENUE CHICO, CA 95926 | AFLAC | $451 | $22 | $473 | 1.49% |
| ADAM BRUBAKER3 | 3221 COHASSERT ROAD, SUITE 130 CHICO, CA 95973 | AFLAC | $416 | $0 | $416 | 1.31% |
| GARY WAYNE OGLE3 Filed as: GARY OGLE | 134 D STREET, SUITE 202 EUREKA, CA 95501 | AFLAC | $234 | $0 | $234 | 0.74% |
| COOPER SHIVELY3 | 1740 HOFFMAN STREET WOODLAND, CA 95776 | AFLAC | $200 | $22 | $222 | 0.70% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $84K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $84K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $84K |
| Short-term disability | AFLAC | 48 | $32K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
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.