| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 | 8950 CAL CENTER DRIVE, 2ND FLOOR SACRAMENTO, CA 95826 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.69% |
| LEFTOUT CAPITAL INC3 | 1053 VILLAGE LANE CHICO, CA 95926 | AFLAC | $2K | $184 | $2K | 7.23% |
| MELANIE BRUBAKER3 | 4211 LEFTOUT LANE, SUITE 130 CHICO, CA 95973 | AFLAC | $857 | $0 | $857 | 2.60% |
| MJ INSURANCE3 Filed as: RYAN OLSON AND VARIOUS AGENTS | 1294 EAST 1ST AVENUE CHICO, CA 95926 | AFLAC | $418 | $3 | $421 | 1.28% |
| GARY WAYNE OGLE3 Filed as: GARY OGLE | 134 D ST, SUITE 202 EUREKA, CA 95501 | AFLAC | $195 | $43 | $238 | 0.72% |
| JEFFREY BRYAN MONNIG3 Filed as: JEFFREY MONNIG | 8711 EAST MEADOW RIDGE RD FORT MILL, SC 29707 | AFLAC | $210 | $14 | $224 | 0.68% |
| COOPER SHIVELY3 | 1740 HOFFMAN STREET WOODLAND, CA 95776 | AFLAC | $176 | $0 | $176 | 0.53% |
| ADAM BRUBAKER3 | 3221 COHASSETT ROAD, SUITE 130 CHICO, CA 95973 | AFLAC | $116 | $9 | $125 | 0.38% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 227 | $79K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 227 | $79K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 220 | $11K |
| Short-term disability | AFLAC | 45 | $33K |
| Other(3 contracts, 3 carriers) | AFLAC | 220 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.