| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 330 TRES PINOS ROAD, SUITE A1 HOLLISTER, CA 95023 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $384 | $5K | 7.82% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $138 | $2K | 3.80% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 1357 A EAST LASSEN AVENUE CHICO, CA 95926 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $853 | $143 | $996 | 1.52% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE AGENCY INC | PO BOX 255188 SACRAMENTO, CA 95865 | HEALTHIEST YOU | $5K | $0 | $5K | 15.00% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $79 | $2K | 6.40% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 330 TRES PINOS ROAD, SUITE A1 HOLLISTER, CA 95023 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.43% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 1357 A EAST LASSEN AVENUE CHICO, CA 95926 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91 | $0 | $91 | 0.38% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE AGENCY INC | PO BOX 8110 CHICO, CA 95927 | VISION SERVICE PLAN | $830 | $0 | $830 | 6.77% |
| LEFTOUT CAPITAL INC3 | 3221 COHASSET ROAD, SUITE 130 CHICO, CA 95973 | AFLAC | $147 | $0 | $147 | 2.43% |
| MELANIE BRUBAKER3 | 30 PHILADELPHIA DRIVE, SUITE D CHICO, CA 95973 | AFLAC | $113 | $0 | $113 | 1.86% |
| MELANIE BRUBAKER3 | 3221 COHASSET ROAD, SUITE 130 CHICO, CA 95973 | AFLAC | $111 | $0 | $111 | 1.83% |
| MJ INSURANCE3 Filed as: DAMON STREETMAN AND VARIOUS AGENTS | 5894 WEST WILDFLOWER COURT HIGHLAND, UT 84003 | AFLAC | $74 | $0 | $74 | 1.22% |
| ADAM ANTHEN AYLWORTH3 Filed as: ADAM AYLWORTH | PO BOX 505 ENTERPRISE, UT 84725 | AFLAC | $65 | $0 | $65 | 1.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW BROWN | 1259 LOOP 337, SUITE 200 NEW BRAUNFELS, TX 78130 | AFLAC | $38 | $0 | $38 | 0.63% |
| RYAN OLSON3 | 1294 EAST 1ST AVENUE CHICO, CA 95926 | AFLAC | $37 | $0 | $37 | 0.61% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHIEST YOU | 170 | $30K |
| Vision | VISION SERVICE PLAN | 91 | $12K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $90K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 62 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $65K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 170 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.