| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS PAUL ZENDARSKI3 | 6540 LONETREE BLVD, SUITE 100 ROCKLIN, AZ 95765 | CALIFORNIA PHYSICIANS SERVICE | $24K | -$1 | $24K | 6.43% |
| HEATH J WITHROW3 | 2060 TALBERT AVE, SUITE 140 CHICO, CA 95928 | CALIFORNIA PHYSICIANS SERVICE | $17K | — | $17K | 4.59% |
| WITHROW INSURANCE SERVICES3 | 976 MANGROVE AVENUE CHICO, CA 95926 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 5.00% |
| WITHROW INSURANCE SERVICES3 | 976 MANGROVE AVENUE CHICO, CA 95926 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 9.99% |
| 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 | $3K | $1K | $4K | 4.99% |
| WITHROW INSURANCE SERVICES3 | 976 MANGROVE AVENUE CHICO, CA 95926 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 12.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 8.00% |
| WITHROW INSURANCE SERVICES3 | 976 MANGROVE AVENUE CHICO, CA 95926 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 89018 | 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 | — | $3K | 12.00% |
| 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 | $2K | — | $2K | 10.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $540 | $261 | $801 | 5.00% |
| WITHROW INSURANCE SERVICES3 | 976 MANGROVE AVENUR CHICO, CA 95926 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $460 | — | $460 | 5.89% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $205 | $102 | $307 | 3.93% |
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 | 812 | 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) | 812 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CALIFORNIA PHYSICIANS SERVICE | 469 | $376K |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 469 | $376K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 812 | $121K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 78 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 333 | $87K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 812 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 812 | — |
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.