| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST NSURANCE SERVICES INC | PO BOX 8110 CHICO, CA 95927 | UNITEDHEALTHCARE INSURANCE COMPANY | $90K | $0 | $90K | 4.16% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 425 CALIFORNIA STREET 24TH FLOOR SAN FRANCISCO, CA 94104 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 1.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES | PO BOX 8110 CHICO, CA 95927 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $3K | $21K | 8.15% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | 310 HEMSTED DRIVE SUITE 200 REDDING, CA 96002 | VISION SERVICE PLAN | $680 | $0 | $680 | 2.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | PO BOX 511398 SAN FRANCISCO, CA 94104 | VISION SERVICE PLAN | $562 | $0 | $562 | 2.28% |
| INTERWEST INSURANCE SERVICES, LLC3 | 1357 EAST LASSEN AVENUE CHICO, CA 95973 | MANAGED HEALTH NETWORK | $411 | $0 | $411 | 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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 299 | $2.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 500 | $262K |
| Vision | VISION SERVICE PLAN | 150 | $25K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 500 | $262K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 500 | $262K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 299 | $2.2M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 500 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.