| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALMOND VALLEY INSURANCE SERVICES3 | 2105 FOREST AVENUE SUITE 100 CHICO, CA 959287695 | SYMETRA | $50K | — | $50K | 10.03% |
| CONOVER ALMOND VALLEY INSURANCE SER3 | 2105 FOREST AVE STE 100 CHICO, CA 95928 | SYMETRA | $35K | — | $35K | 6.94% |
| CONOVER ALMOND VALLEY INSURANCE SER3 | P.O. BOX 10088 YAKIMA, WA 989091088 | QBE INSURANCE | $43K | — | $43K | 9.00% |
| ALMOND VALLEY INSURANCE SERVICES3 | 2105 FOREST AVENUE SUITE 100 CHICO, CA 95928 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | — | $1K | $1K | 4.47% |
| ALMOND VALLEY INSURANCE SERVICES3 | 2105 FOREST AVENUE SUITE 100 CHICO, CA 959287695 | VISION SERVICE PLAN | — | $3K | $3K | — |
| CONOVER ALMOND VALLEY INSURANCE SER3 | P.O. BOX 10088 YAKIMA, WA 989091088 | VISION SERVICE PLAN | — | $3K | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHINOOK WINDS CASINO RESORT EIN 93-0714057 SPONSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Accounting (including auditing); Plan Administrator Service code 10 | 1777 NW 44TH ST. LINCOLN CITY, OR 973675094 | $108K |
| BLUEBIRD, CPAS EIN 26-1571066 ACCOUNTANT | Accounting (including auditing) Service code 10 | 5585 KIETZKE LANE RENO, NV 89511 | $10K |
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 | 751 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERCIA | 757 | $31K |
| Vision | VISION SERVICE PLAN | 798 | $0 |
| Life insurance | SYMETRA | 857 | $500K |
| Short-term disability | SYMETRA | 857 | $500K |
| Long-term disability | SYMETRA | 857 | $500K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 799 | $476K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 857 | — |
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.