| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARTH E. MOORE INSURANCE AND3 | FINANCIAL SERVICES, INC. 2967 DAVISON CT., SUITE C COLUSA, CA 95932 | CALIFORNIA PHYSICIANS' SERVICE | $3K | $55K | $57K | 4.28% |
| ZENDARSKI, THOMAS PAUL3 | 6540 LONETREE BLVD., STE. 100 ROCKLIN, CA 95765 | CALIFORNIA PHYSICIANS' SERVICE | $28K | — | $28K | 2.08% |
| GARTH E. MOORE INSURANCE AND3 | FINANCIAL SERVICES, INC. 2967 DAVISON CT., SUITE C COLUSA, CA 95932 | CALIFORNIA PHYSICIANS' SERVICE | — | $51 | $51 | 0.00% |
| GARTH E. MOORE INSURANCE AND3 Filed as: GARTH E MOORE INSURANCE & FINANCIAL | SERV 2967 DAVISON COURT STE C COLUSA, CA 959323285 | HUMANA INSURANCE COMPANY | $16K | — | $16K | 11.07% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC-CORPORATE | 5110 N 40TH ST, STE 234 PHOENIX, AZ 850182151 | HUMANA INSURANCE COMPANY | — | $141 | $141 | 0.10% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 198 | $1.3M |
| Dental | HUMANA INSURANCE COMPANY | 188 | $145K |
| Vision | CALIFORNIA PHYSICIANS' SERVICE | 198 | $1.3M |
| Life insurance | HUMANA INSURANCE COMPANY | 188 | $145K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 198 | $1.3M |
| Other | HUMANA INSURANCE COMPANY | 188 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.