| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 8950 CAL CENTER DRIVE BUILDING 3, SUITE 200 SACRAMENTO, CA 95826 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | $0 | $22K | 7.73% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS | UNKNOWN SAN JOSE, CA 95112 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.44% |
| 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. | $6K | $0 | $6K | 4.00% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 8950 CAL CENTER DRIVE BUILDING 3, SUITE 200 SACRAMENTO, NY 95826 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | UNKNOWN HAUPPAGE, NY 11788 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.00% |
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 255188 SACRAMENTO, CA 95865 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 11.88% |
| CYPRESS DENTAL ADMINISTRATORS3 | 7510 SHORELINE DRIVE STOCKTON, CA 95219 | HARTFORD LIFE AND ACCIDENT | $0 | $576 | $576 | 5.00% |
| ACRISURE LLC3 | 2033 GATEWAY PLACE, SUITE 150 SAN JOSE, CA 95110 | AFLAC | $217 | $0 | $217 | 3.30% |
| MJ INSURANCE3 Filed as: JAYSON ROCHA AND VARIOUS AGENTS | 3577 SAINT JOHN ROAD WEST SACRAMENTO, CA 95691 | AFLAC | $162 | $0 | $162 | 2.46% |
| GARY WAYNE OGLE3 Filed as: GARY OGLE | 134 D STREET, SUITE 202 EUREKA, CA 95501 | AFLAC | $44 | $0 | $44 | 0.67% |
| DANNY LEON3 | 162 BARLEY STREET SAINT AUGUSTINE, FL 32092 | AFLAC | $43 | $0 | $43 | 0.65% |
| GEORGE BERMUDES3 | 500 RANCHEROS DRIVE SAN MARCOS, CA 92069 | AFLAC | $37 | $0 | $37 | 0.56% |
| ALAINE S. VANNESS3 Filed as: ALAINE VANNESS | 1217 SOUTH SCHOOL STREET LODI, CA 95240 | AFLAC | $24 | $0 | $24 | 0.36% |
| WILLIAM VERBRUGGE3 | 1180 ESSEX LANE FOSTER CITY, CA 94404 | AFLAC | $24 | $0 | $24 | 0.36% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SVCS, LLC | 1357 EAST LASSEN AVE CHICO, CA 95973 | CALIFORNIA DENTAL NETWORK, INC | $145 | — | $145 | 10.00% |
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 | 122 | 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) | 122 | 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 | 83 | $443K |
| Dental(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 84 | $45K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 84 | $43K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 122 | $12K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 122 | $12K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 83 | $443K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 122 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.