| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEATH J WITHROW3 | 2060 TALBERT AVE, SUITE 140 CHICO, CA 95928 | CALIFORNIA PHYSICIANS SERVICE | $22K | $265K | $287K | 4.11% |
| THOMAS PAUL ZENDARSKI3 | 6540 LONETREE BLVD, SUITE 100 ROCKLIN, AZ 95765 | CALIFORNIA PHYSICIANS SERVICE | $73K | $136K | $209K | 2.99% |
| WITHROW INSURANCE SERVICES3 | 976 MANGROVE AVENUE CHICO, CA 95926 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 9.43% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$656 | $6K | $6K | 4.71% |
| WITHROW INSURANCE SERVICES3 | 976 MANGROVE AVENUE CHICO, CA 95926 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 9.35% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH STREET, SUITE 234 SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$663 | $5K | $4K | 4.67% |
| WITHROW INSURANCE SERVICES3 | 976 MANGROVE AVENUE CHICO, CA 95926 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 15.14% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.00% |
| WITHROW INSURANCE SERVICES3 | 976 MANGROVE AVENUE CHICO, CA 95926 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $811 | $4K | 15.04% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 89018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.00% |
| WITHROW INSURANCE SERVICES3 | 976 MANGROVE AVENUE CHICO, CA 95926 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $693 | $3K | 15.29% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.00% |
| WITHROW INSURANCE SERVICES3 | 976 MANGROVE AVENUE CHICO, CA 95926 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.37% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$163 | $890 | $727 | 4.69% |
| WITHROW INSURANCE SERVICES3 | 976 MANGROVE AVENUR CHICO, CA 95926 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $340 | — | $340 | 4.57% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$200 | $426 | $226 | 3.03% |
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 | 636 | 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) | 636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 499 | $7.0M |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 499 | $7.0M |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 499 | $7.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 780 | $124K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 58 | $7K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 324 | $87K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 499 | $7.0M |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 991 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 991 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.