| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | 310 HEMSTED DRIVE SUITE 200 REDDING, CA 96002 | UNION SECURITY INSURANCE COMPANY | — | $10K | $10K | 2.26% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | 1357 A EAST LASSEN AVENUE CHICO, CA 95926 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $15 | $21K | 14.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES INC | PO BOX 8110 CHICO, CA 95927 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 14.82% |
| THOMAS HUGHES3 | 1357 EAST LASSEN AVENUE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | — | $715 | $715 | 3.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES INC | PO BOX 8110 CHICO, CA 95927 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 14.78% |
| THOMAS HUGHES3 | 1357 EAST LASSEN AVENUE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | — | $512 | $512 | 3.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES INC | PO BOX 8110 CHICO, CA 95927 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THOMAS HUGHES3 | 1357 EAST LASSEN AVENUE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | — | $483 | $483 | 3.30% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 160 | $725K |
| Dental | UNION SECURITY INSURANCE COMPANY | 267 | $443K |
| Vision | UNION SECURITY INSURANCE COMPANY | 267 | $443K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 267 | $443K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 267 | $443K |
| Other(5 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 267 | $637K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.