| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHY SOLUTIONS INSURANCE SVCS.3 | 55 INDEPENDENCE CIRCLE, SUITE 108 CHICO, CA 95973 | BLUE CROSS OF CALIFORNIA | $45K | $0 | $45K | 3.09% |
| HEALTHY SOLUTIONS INSURANCE SVCS.3 | 1430 EAST AVENUE, SUITE 3A CHICO, CA 95926 | BLUE CROSS OF CALIFORNIA | $18K | $0 | $18K | 1.22% |
| HEALTHY SOLUTIONS INSURANCE SVCS.3 | 55 INDEPENDENCE CIRCLE, SUITE 108 CHICO, CA 95973 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
| MELANIE BRUBAKER3 | 30 PHILADELPHIA DRIVE, SUITE D CHICO, CA 95973 | AFLAC | $1K | $896 | $2K | 9.90% |
| LEFTOUT CAPITAL INC3 Filed as: LEFTOUT CAPITAL INC. | 30 PHILADELPHIA DRIVE, SUITE D CHICO, CA 95973 | AFLAC | $898 | $179 | $1K | 4.82% |
| HEALTHY SOLUTIONS INSURANCE SVCS.3 | 55 INDEPENDENCE CIRCLE, SUITE 108 CHICO, CA 95973 | AFLAC | $873 | $0 | $873 | 3.90% |
| RYAN OLSON3 Filed as: RYAN OLSON INSURANCE SERVICES INC. | PO BOX 7861 CHICO, CA 95927 | AFLAC | $468 | $179 | $647 | 2.89% |
| HEALTHY SOLUTIONS INSURANCE SVCS.3 | 55 INDEPENDENCE CIRCLE, SUITE 108 CHICO, CA 95973 | HEALTHIEST YOU | $3K | $0 | $3K | 15.00% |
| HEALTHY SOLUTIONS INSURANCE SVCS.3 | 55 INDEPENDENCE CIRCLE, SUITE 108 CHICO, CA 95973 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.84% |
| BOUTT INSURANCE SERVICES3 Filed as: BOUTT INSURANCE SERVICES INC. | 1095 STAFFORD WAY YUBA CITY, CA 95991 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.49% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 213 | $1.5M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 147 | $155K |
| Vision | VISION SERVICE PLAN | 150 | $17K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 213 | $1.5M |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 25 | $26K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 213 | $1.5M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 213 | $1.5M |
| Other(6 contracts, 6 carriers) | BLUE CROSS OF CALIFORNIA | 213 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.