| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1455 RESPONSE ROAD, SUITE 260 SACRAMENTO, CA 95815 | CALIFORNIA PHYSICIANS SERVICE | $38K | $0 | $38K | 7.00% |
| OWEN-DUNN INSURANCE SERVICES3 | 1455 RESPONSE ROAD, SUITE 260 SACRAMENTO, CA 95815 | PREMIER ACCESS INSURANCE COMPANY | $4K | $0 | $4K | 8.45% |
| ASSUREDPARTNERS3 | 1455 RESPONSE ROAD, SUITE 260 SACRAMENTO, CA 95815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| DAILY FEATS INC3 Filed as: DAILY FEATS INC. | 22 PEARL STREET, SUITE 3 CAMBRIDGE, MA 02139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $971 | $971 | 3.00% |
| A FIRM FOUNDATION, INC.3 Filed as: A FIRM FOUNDATION INC | 1530 HUMBOLDT ROAD, SUITE 5 CHICO, CA 95928 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $940 | $0 | $940 | 8.35% |
| WILLIAM WAYNE STIGILE3 | 514 GRINDSTONE WOODBRIDGE, CA 95258 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $581 | $6 | $587 | 5.21% |
| CARA LOUISE MCFADYEN3 | 1530 HUMBOLT ROAD, SUITE 5 CHICO, CA 95928 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $482 | $0 | $482 | 4.28% |
| BARRY W MAAS3 | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $135 | $18 | $153 | 1.36% |
| MIKE SOLIS QUINTANA3 | 7098 NORTH GREGORY AVENUE FRESNO, CA 93722 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.28% |
| OWEN AND COMPANY3 Filed as: OWEN & COMPANY | 1455 RESPONSE ROAD, SUITE 260 SACRAMENTO, CA 95815 | AMERITAS LIFE INSURANCE CORPORATION | $532 | $0 | $532 | 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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 115 | $557K |
| Dental(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 142 | $590K |
| Vision(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 125 | $551K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $32K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 17 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $32K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 115 | $546K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.