| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | 1357 EAST LASSEN AVE CHICO, CA 95973 | GERBER LIFE INSURANCE COMPANY | $83K | — | $83K | 10.00% |
| XL BENEFIT INSURANCE SERVICES3 | 3125 DWIGHT ROAD, SUITE 400C ELK GROVE, CA 95758 | GERBER LIFE INSURANCE COMPANY | $41K | — | $41K | 5.00% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC. | PO BOX 8110 CHICO, CA 95927 | UNION SECURITY INSURANCE COMPANY | $5K | $462 | $6K | 3.99% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC. | 310 HEMSTED DR STE 200 REDDING, CA 96002 | UNION SECURITY INSURANCE COMPANY | — | $6K | $6K | 3.98% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC. | PO BOX 255118 SACRAMENTO, CA 95865 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC. | 1357 EAST LASSEN AVE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | $2K | $645 | $3K | 18.94% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC. | 1357 EAST LASSEN AVE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | $3K | $399 | $4K | 33.63% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, INC. | 1357 EAST LASSEN AVE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | $2K | $303 | $2K | 28.87% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC. | 1357 EAST LASSEN AVE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | $2K | $292 | $2K | 28.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | PO BOX 45018 FRESNO, CA 937185018 | $120K |
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 PPO/UR VENDOR | Direct payment from the plan; Other fees Service code 50 | 1351 WM. HOWARD TAFT RD CINCINNATI, OH 45206 | $61K |
| INTERWEST INSURANCE SERVICES EIN 68-0266090 BROKER | Insurance agents and brokers; Other commissions; Non-monetary compensation; Direct payment from the plan Service code 22 | 1357 E. LASSEN AVENUE CHICO, CA 95973 | $30K |
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 DENTAL ADMINISTRATOR | Claims processing; Other fees Service code 12 | 2323 GRAND BOULEVARD KANSAS CITY, MO 641082670 | $14K |
| MES VISION EIN 95-4354242 VISION ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 25209 SANTA ANA, CA 927995209 | $11K |
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 | 296 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 306 | $44K |
| Short-term disability(2 contracts) | UNION SECURITY INSURANCE COMPANY | 27 | $18K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 322 | $149K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 278 | $829K |
| Other(4 contracts) | UNION SECURITY INSURANCE COMPANY | 37 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.