| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | 310 HEMSTED DRIVE, SUITE 200 REDDING, CA 96002 | CALIFORNIA PHYSICIANS SERVICE | $47K | $0 | $47K | 5.94% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 1357 A EAST LASSEN AVENUE CHICO, CA 95973 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $501 | $4K | 15.59% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 1357 A EAST LASSEN AVENUE CHICO, CA 95973 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $422 | $3K | 11.75% |
| PETER REGINELLI3 | 131 STREAM VALLEY BOULEVARD FRANKLIN, TN 37064 | AFLAC | $815 | $0 | $815 | 5.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW BROWN AND VARIOUS AGENTS | 1259 LOOP 337, SUITE 200 NEW BRAUNFELS, TX 78130 | AFLAC | $228 | $0 | $228 | 1.60% |
| RYAN OLSON3 Filed as: RYAN T. OLSON | 1294 EAST 1ST AVENUE CHICO, CA 95926 | AFLAC | $145 | $0 | $145 | 1.02% |
| ROBERT W GOLDEN3 Filed as: ROBERT W. GOLDEN | 1259 LOOP 337, SUITE 200 NEW BRAUNFELS, TX 78130 | AFLAC | $73 | $0 | $73 | 0.51% |
| EDWARD CARL HAN3 | 1420 ZEPHYR DRIVE YUBA CITY, CA 95991 | AFLAC | $52 | $0 | $52 | 0.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW DOMINIC BROWN | PO BOX 7631 CHICO, CA 95927 | AFLAC | $51 | $0 | $51 | 0.36% |
| PETER JAMES SARANTIS3 Filed as: PETER SARANTIS | 7775 DUTRA BEND DRIVE SACRAMENTO, CA 95831 | AFLAC | $43 | $0 | $43 | 0.30% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 108 | $795K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 23 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $29K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 108 | $795K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.