| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BRUCE THOMAS/INTERWEST INS. SVCS. | 1357 EAST LASSEN AVE CHICO, CA 95973 | UNITED AGRICULTURAL EMPLOYEE WELFARE BENEFIT PLAN & TRUST | $30K | — | $30K | 4.90% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | PO BOX 8110 CHICO, CA 95927 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 5.60% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | 310 HEMSTED DR STE 200 REDDING, CA 96002 | UNION SECURITY INSURANCE COMPANY | — | $2K | $2K | 2.50% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 1357 EAST LASSEN AVE CHICO, CA 95973 | GERBER LIFE INSURANCE (MES VISION) | $2K | — | $2K | 12.11% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 1357 EAST LASSEN AVE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THOMAS HUGHES3 | 1357 EAST LASSEN AVE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | — | $513 | $513 | 4.26% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 1357 EAST LASSEN AVE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | $766 | — | $766 | 20.02% |
| THOMAS HUGHES3 | 1357 EAST LASSEN AVE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | — | $167 | $167 | 4.36% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 1357 EAST LASSEN AVE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | $770 | — | $770 | 20.48% |
| THOMAS HUGHES3 | 1357 EAST LASSEN AVE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | — | $163 | $163 | 4.34% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 1357 EAST LASSEN AVE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | $468 | — | $468 | 20.03% |
| THOMAS HUGHES3 | 1357 EAST LASSEN AVE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | — | $78 | $78 | 3.34% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 1357 EAST LASSEN AVE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | $299 | — | $299 | 20.01% |
| THOMAS HUGHES3 | 1357 EAST LASSEN AVE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | — | $68 | $68 | 4.55% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AGRICULTURAL EMPLOYEE WELFARE BENEFIT PLAN & TRUST | 103 | $621K |
| Dental | UNION SECURITY INSURANCE COMPANY | 157 | $80K |
| Vision | GERBER LIFE INSURANCE (MES VISION) | 83 | $16K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 157 | $92K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 10 | $4K |
| Prescription drug | UNITED AGRICULTURAL EMPLOYEE WELFARE BENEFIT PLAN & TRUST | 103 | $621K |
| Other(6 contracts) | UNION SECURITY INSURANCE COMPANY | 157 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.