| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARTH E. MOORE INSURANCE AND3 Filed as: GARTH E MOORE INSURANCE & FINANCIAL | SERV 2967 DAVISON COURT STE C COLUSA, CA 959323285 | HUMANA INSURANCE COMPANY | $15K | — | $15K | 11.10% |
| GARTH E. MOORE INSURANCE AND3 | FINANCIAL SERVICES, INC. 2967 DAVISON CT., SUITE C COLUSA, CA 95932 | CALIFORNIA PHYSICIANS' SERVICE | $1K | $57 | $1K | 10.44% |
| ZENDARSKI, THOMAS PAUL3 | 2251 DOUGLAS BLVD STE 15 ROSEVILLE, CA 95661 | CALIFORNIA PHYSICIANS' SERVICE | $258 | $57 | $315 | 2.44% |
| LEFTOUT CAPITAL INC3 Filed as: LEFTOUT CAPITAL, INC. | 1053 VILLAGE LANE CHICO, CA 95926 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 33.12% |
| GARTH E. MOORE INSURANCE AND3 | FINANCIAL SERVICES, INC. 2967 DAVISON COURT SUITE C COLUSA, CA 95932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $901 | — | $901 | 17.07% |
| GARY WAYNE OGLE3 | 134 D STREET SUITE 202 EUREKA, CA 95521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $203 | — | $203 | 3.85% |
| JEREMY M EANES3 | 21729 E MERCER PL AURORA, CO 800183059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $150 | — | $150 | 2.84% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 197 | $140K |
| Vision | CALIFORNIA PHYSICIANS' SERVICE | 171 | $13K |
| Life insurance | HUMANA INSURANCE COMPANY | 197 | $140K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 47 | $5K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 197 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
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.