| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | PO BOX 255188 SACRAMENTO, CA 95865 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | $0 | $41K | 5.38% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | -$99 | $0 | -$99 | -0.01% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | 8950 CAL CENTER DRIVE BUILDING 3, SUITE 200 SACRAMENTO, CA 95826 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $0 | $12K | 4.26% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | 8950 CAL CENTER DRIVE BUILDING 3, SUITE 200 SACRAMENTO, CA 95826 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 9.33% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | UNKNOWN HAUPPAUGE, NY 11788 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 4.66% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | -$167 | $0 | -$167 | -0.23% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | 8950 CAL CENTER DRIVE BUILDING 3, SUITE 200 SACRAMENTO, CA 95826 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 22.27% |
| ACRISURE LLC3 | 2033 GATEWAY PLACE, SUITE 150 SAN JOSE, CA 95110 | AFLAC | $868 | $0 | $868 | 4.49% |
| MJ INSURANCE3 Filed as: ALAINE VANNESS AND VARIOUS AGENTS | 1217 SOUTH SCHOOL STREET LODI, CA 95240 | AFLAC | $527 | $29 | $556 | 2.88% |
| DANNY LEON3 | 10550 BAYMEADOWS ROAD, UNIT 249 JACKSONVILLE, FL 32256 | AFLAC | $113 | $79 | $192 | 0.99% |
| GIBRAN AHMAD CHAUDHRY3 Filed as: GIBRAN CHAUNDHRY | 20521 REID LANE SARATOGA, CA 95070 | AFLAC | $82 | $66 | $148 | 0.77% |
| JAYSON C ROCHA3 Filed as: JAYSON ROCHA | 3577 SAINT JOHN ROAD WEST SACRAMENTO, CA 95691 | AFLAC | $96 | $0 | $96 | 0.50% |
| WILLIAM VERBRUGGE3 | 27 CRYSTAL SPRINGS ROAD APARTMENT 6 SAN MATEO, CA 94402 | AFLAC | $95 | $0 | $95 | 0.49% |
| GARY WAYNE OGLE3 Filed as: GARY OGLE | 134 D STREET, SUITE 202 EUREKA, CA 95501 | AFLAC | $88 | $0 | $88 | 0.46% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | 1357 EAST LASSEN AVENUE CHICO, CA 95973 | CALIFORNIA DENTAL NETWORK, INC | $573 | $0 | $573 | 9.99% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | 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) | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $1.0M |
| Dental(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 84 | $77K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 84 | $71K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $36K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $1.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
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.