| 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 | $11K | — | $11K | 9.93% |
| LEFTOUT CAPITAL INC3 Filed as: LEFTOUT CAPITAL, INC. | 1053 VILLAGE LANE CHICO, CA 95926 | AFLAC | $164 | $0 | $164 | 5.25% |
| MELANIE BRUBAKER3 Filed as: MELANIE L. BRUBAKER | 4211 LEFTOUT LANE, SUITE 130 CHICO, CA 95973 | AFLAC | $74 | $0 | $74 | 2.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW DOMINIC BROWN & OTHERS | 490 43RD STREET, SUITE 1009 OAKLAND, CA 94609 | AFLAC | $35 | $0 | $35 | 1.12% |
| COOPER SHIVELY3 Filed as: COOPER JAMES SHIVELY | 887 PRATHER COURT WOODLAND, CA 95776 | AFLAC | $20 | $0 | $20 | 0.64% |
| GARY WAYNE OGLE3 | 134 D STREET, SUITE 202 EUREKA, CA 95501 | AFLAC | $17 | $0 | $17 | 0.54% |
| JEFFREY BRYAN MONNIG3 | 8711 EAST MEADOW RIDGE ROAD FORT MILL, SC 29707 | AFLAC | $15 | $0 | $15 | 0.48% |
| RYAN OLSON3 Filed as: RYAN T. OLSON | 9 LANA STREET, APARTMENT C PAIA, HI 96779 | AFLAC | $10 | — | $10 | 0.32% |
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 | 456 | 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) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $108K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 244 | $108K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 456 | $45K |
| Short-term disability | AFLAC | 44 | $3K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 456 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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.