| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | 3636 AMERICAN RIVER DR, 2ND FLOOR SACRAMENTO, CA 95864 | CALIFORNIA PHYSICIANS SERVICE | $155K | $101 | $155K | 3.99% |
| TEVIS INSURANCE SOLUTIONS3 | 970 RESERVE DRIVE, STE 200 ROSEVILLE, CA 95678 | CALIFORNIA PHYSICIANS SERVICE | $39K | — | $39K | 1.02% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | 3636 AMERICAN RIVER DR, 2ND FLOOR SACRAMENTO, CA 95864 | KAISER FOUNDATION HEALTH PLAN INC. | $94K | — | $94K | 3.72% |
| TEVIS INSURANCE SOLUTIONS3 | 970 RESERVE DRIVE, STE 200 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | — | $11K | 0.43% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | 3636 AMERICAN RIVER DR, 2ND FLOOR SACRAMENTO, CA 95864 | DELTA DENTAL OF CALIFORNIA | $23K | — | $23K | 5.00% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | 3636 AMERICAN RIVER DR, 2ND FLOOR SACRAMENTO, CA 95864 | UNION SECURITY INSURANCE COMPANY | $9K | $10K | $19K | 8.39% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | 1357 E LASSEN AVENUE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | $16K | — | $16K | 13.66% |
| TEVIS INSURANCE SOLUTIONS3 | 970 RESERVE DRIVE, STE 200 ROSEVILLE, CA 95678 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 1.33% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | 310 HEMSTED DRIVE, SUITE 200 REDDING, CA 96002 | VISION SERVICE PLAN | $2K | — | $2K | 2.05% |
| TEVIS INSURANCE SOLUTIONS3 | 970 RESERVE DRIVE, STE 200 ROSEVILLE, CA 95678 | VISION SERVICE PLAN | $447 | — | $447 | 0.39% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | 1357 E LASSEN AVENUE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 25.00% |
| TEVIS INSURANCE SOLUTIONS3 | 970 RESERVE DRIVE, STE 200 ROSEVILLE, CA 95678 | UNION SECURITY INSURANCE COMPANY | $742 | — | $742 | 1.76% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | 1357 E LASSEN AVENUE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 23.63% |
| TEVIS INSURANCE SOLUTIONS3 | 970 RESERVE DRIVE, STE 200 ROSEVILLE, CA 95678 | UNION SECURITY INSURANCE COMPANY | $656 | — | $656 | 1.75% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | 1357 E LASSEN AVENUE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 25.57% |
| TEVIS INSURANCE SOLUTIONS3 | 970 RESERVE DRIVE, STE 200 ROSEVILLE, CA 95678 | UNION SECURITY INSURANCE COMPANY | $699 | — | $699 | 1.88% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | 3636 AMERICAN RIVER DR, 2ND FLOOR SACRAMENTO, CA 95864 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 5.00% |
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 | 1,138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 537 | $6.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,615 | $457K |
| Vision | VISION SERVICE PLAN | 674 | $114K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 1,135 | $338K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 187 | $37K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 1,135 | $222K |
| Prescription drug(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 537 | $6.4M |
| Other(3 contracts) | UNION SECURITY INSURANCE COMPANY | 1,135 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,615 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.