| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | 3636 AMERICAN RIVER DRIVE 2ND FLOOR SACRAMENTO, CA 95864 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | $0 | $46K | 8.92% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | UNKNOWN SAN JOSE, CA 95112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $20K | $20K | 3.97% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 8950 CAL CENTER DRIVE BUILDING 3, SUITE 200 SACRAMENTO, CA 95826 | KAISER FOUNDATION HEALTH PLAN INC | $10K | $0 | $10K | 4.00% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 8950 CAL CENTER DRIVE BUILDING 3, SUITE 200 SACRAMENTO, CA 95826 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 10.83% |
| PROFESSIONAL GROUP PLANS INC3 | UNKNOWN HAUPPAUGE, NY 11788 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 5.41% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 8950 CAL CENTER DRIVE BUILDING 3, SUITE 200 SACRAMENTO, CA 95826 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $7K | 18.81% |
| ACRISURE LLC3 | 2033 GATEWAY PLACE, SUITE 150 SAN JOSE, CA 95110 | AFLAC | $676 | $0 | $676 | 4.11% |
| MJ INSURANCE3 Filed as: JAYSON ROCHA AND VARIOUS AGENTS | 3577 SAINT JOHN ROAD WEST SACRAMENTO, CA 95691 | AFLAC | $440 | $0 | $440 | 2.68% |
| WILLIAM VERBRUGGE3 | 1180 ESSEX LANE FOSTER CITY, CA 94404 | AFLAC | $92 | $0 | $92 | 0.56% |
| GARY WAYNE OGLE3 Filed as: GARY OGLE | 134 D STREET, SUITE 202 EUREKA, CA 95501 | AFLAC | $88 | $0 | $88 | 0.54% |
| GEORGE BERMUDES3 | 500 RANCHEROS DRIVE SAN MARCOS, CA 92069 | AFLAC | $74 | $0 | $74 | 0.45% |
| ALAINE S. VANNESS3 Filed as: ALAINE VANNESS | 1217 SOUTH SCHOOL STREET LODI, CA 95240 | AFLAC | $71 | $0 | $71 | 0.43% |
| SLR INSURANCE SOLUTIONS INC3 | 179 PINE HAVEN DRIVE SAINT JOHNS, FL 32259 | AFLAC | $69 | $0 | $69 | 0.42% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | 1357 EAST LASSEN AVENUE CHICO, CA 95973 | CALIFORNIA DENTAL NETWORK, INC | $447 | $0 | $447 | 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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 89 | $761K |
| Dental(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 81 | $73K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 81 | $68K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $36K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 89 | $761K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.