| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SVCS | 310 HEMSTED DR, SUITE 200 REDDING, CA 96002 | CALIFORNIA PHYSICIANS SERVICE | — | $35K | $35K | 5.31% |
| CRAIG M GANDY3 Filed as: CRAIG GANDY | 6540 LONETREE BLVD STE 100 ROCKLIN, CA 95765 | CALIFORNIA PHYSICIANS SERVICE | — | $12K | $12K | 1.83% |
| STEPHEN D MOORE3 | 1041 HOGARTH WAY EL DORADO HILLS, CA 95762 | CALIFORNIA PHYSICIANS SERVICE | — | $4K | $4K | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SCVS INC - SACRAMENTO | 8950 CAL CENTER DR, BLDG 3, STE 200 SACRAMENTO, CA 95826 | KAISER FOUNDATION HEALTH PLAN INC | $26K | $1 | $26K | 4.97% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SVCS | 8950 CAL CENTER DRIVE BUILDING STE 200 SACRAMENTO, CA 95826 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 31.80% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 93 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $11K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 93 | $1.2M |
| Other | INTEGRATED BEHAVIORAL HEALTH | 111 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.