| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 255188 SACRAMENTO, CA 95865 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $32K | — | $32K | 10.00% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES I | 1357 A EAST LASSEN AVENUE CHICO, CA 95926 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 15.00% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES I | 1357 A EAST LASSEN AVENUE CHICO, CA 95926 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES INC | PO BOX 8110 CHICO, CA 95927 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 14.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES INC | PO BOX 8110 CHICO, CA 95927 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 14.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES INC | PO BOX 8110 CHICO, CA 95927 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 14.35% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES I | 1357 A EAST LASSEN AVENUE CHICO, CA 95926 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $865 | — | $865 | 14.99% |
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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUESHIELD OF CALIFORNIA | 281 | $2.3M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 595 | $319K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 595 | $319K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $168K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 84 | $20K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $168K |
| Prescription drug | BLUESHIELD OF CALIFORNIA | 281 | $1.6M |
| Other(8 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $457K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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.