| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEFTOUT CAPITAL INC3 Filed as: LEFTOUT CAPITAL, INC. | 1053 VILLAGE LANE CHICO, CA 95926 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 13.04% |
| INTERWEST INSURANCE SERVICES, LLC3 | 8950 CAL CENTER DRIVE, SUITE 200 SACRAMENTO, CA 95826 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 11.01% |
| GARY WAYNE OGLE3 | 134 D STREET, SUITE 202 EUREKA, CA 95521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $674 | — | $674 | 1.46% |
| INTERWEST INSURANCE SERVICES, LLC3 | 1357 A EAST LASSEN AVENUE CHICO, CA 95826 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $312 | $3K | 11.02% |
| INTERWEST INSURANCE SERVICES, LLC3 | 330 TRES PINOS ROAD, SUITE A1 HOLLISTER, CA 95023 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $176 | $2K | 5.78% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | P O BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $321 | $0 | $321 | 1.04% |
| INTERWEST INSURANCE SERVICES, LLC3 | P O BOX 8110 CHICO, CA 95927 | ANTHEM LIFE INSURANCE COMPANY | $490 | $0 | $490 | 11.25% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | 500 YGNACIO VALLEY ROAD, SUITE 450 WALNUT CREEK, CA 94596 | ANTHEM LIFE INSURANCE COMPANY | $110 | $135 | $245 | 5.62% |
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 | 78 | 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) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 78 | $35K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 34 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 78 | $31K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 78 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 78 | — |
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.