| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEFTOUT CAPITAL INC3 Filed as: LEFTOUT CAPITAL, INC. | 1053 VILLAGE LANE CHICO, CA 95926 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 13.72% |
| INTERWEST INSURANCE SERVICES, LLC3 | 8950 CAL CENTER DRIVE, SUITE 200 SACRAMENTO, CA 95826 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 10.16% |
| GARY WAYNE OGLE3 | 134 D STREET, SUITE 202 EUREKA, CA 95521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $546 | — | $546 | 1.51% |
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 255188 SACRAMENTO, CA 95865 | HEALTHIEST YOU | $5K | $0 | $5K | 15.00% |
| INTERWEST INSURANCE SERVICES, LLC3 | 330 TRES PINOS ROAD, SUITE A1 HOLLISTER, CA 95023 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $424 | $4K | 12.18% |
| INTERWEST INSURANCE SERVICES, LLC3 | 1357 A EAST LASSEN AVENUE CHICO, CA 95926 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $910 | $159 | $1K | 3.21% |
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 8110 CHICO, CA 95927 | VISION SERVICE PLAN | $873 | — | $873 | 7.26% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHIEST YOU | 175 | $36K |
| Vision | VISION SERVICE PLAN | 100 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $33K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $33K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 175 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.