| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OWEN AND COMPANY3 Filed as: OWEN AND DUNNE INSURANCE SERVICES | 1455 RESPONSE ROAD, SUITE 260 SACRAMENTO, CA 95815 | CALIFORNIA PHYSICIANS SERVICE | $35K | — | $35K | 6.73% |
| OWEN AND COMPANY3 Filed as: OWEN AND DUNNE INSURANCE SERVICES | 1455 RESPONSE ROAD, SUITE 260 SACRAMENTO, CA 95815 | PREMIER ACCESS INSURANCE COMPANY | $4K | — | $4K | 8.59% |
| OWEN AND COMPANY3 Filed as: OWEN AND DUNNE INSURANCE SERVICES | 1455 RESPONSE ROAD, SUITE 260 SACRAMENTO, CA 95815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| A FIRM FOUNDATION, INC.3 | 1530 HUMBOLDT ROAD, SUITE 5 CHICO, CA 95928 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $97 | $2K | 8.40% |
| CARA LOUISE MCFADYEN3 | 1530 HUMBOLDT ROAD, SUITE 5 CHICO, CA 95928 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $863 | $267 | $1K | 5.78% |
| WILLIAM WAYNE STIGILE3 | 514 GRINDSTONE WOODBRIDGE, CA 95258 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $68 | $1K | 5.52% |
| BARRY W MAAS3 Filed as: BARRY W. MAAS | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $246 | $97 | $343 | 1.76% |
| MIKE SOLIS QUINTANA3 | 7098 NORTH GREGORY AVENUE FRESNO, CA 93722 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.28% |
| MARLENE MARIE RATTENNE3 | 1294 SEYMOUR CIRCLE LINCOLN, CA 95648 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.03% |
| OWEN AND COMPANY3 Filed as: OWEN AND DUNNE INSURANCE SERVICES | 1455 RESPONSE ROAD, SUITE 260 SACRAMENTO, CA 95815 | AMERITAS LIFE INSURANCE CORPORATION | $594 | — | $594 | 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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 115 | $543K |
| Dental(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 131 | $565K |
| Vision(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 121 | $529K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 18 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $29K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 115 | $523K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.