| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS PAUL ZENDARSKI3 | 2251 DOUGLAS BLVD, STE 115 ROSEVILLE, CA 95661 | CALIFORNIA PHYSICIANS SERVICE | $21K | $128 | $21K | 5.29% |
| HEATH J WITHROW3 | 2060 TALBERT AVE, SUITE 140 CHICO, CA 95928 | CALIFORNIA PHYSICIANS SERVICE | $20K | $128 | $20K | 5.03% |
| WITHROW INSURANCE SERVICES3 | 2060 TALBERT AVE, SUITE 140 CHICO, CA 95928 | SYMETRA LIFE INSURANCE COMPANY | $23K | — | $23K | 12.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.00% |
| WITHROW INSURANCE SERVICES3 | 2060 TALBERT AVE, SUITE 140 CHICO, CA 95928 | SYMETRA LIFE INSURANCE COMPANY | $17K | — | $17K | 20.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | SYMETRA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 5.46% |
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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CALIFORNIA PHYSICIANS SERVICE | 1,542 | $399K |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 1,542 | $399K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 803 | $193K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 803 | $193K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 803 | $193K |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 803 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,542 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.