| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHY SOLUTIONS INSURANCE SVCS.3 | 1430 EAST AVENUE, SUITE 3A CHICO, CA 95926 | BLUE CROSS OF CALIFORNIA | $8K | $0 | $8K | 5.16% |
| HEALTHY SOLUTIONS INSURANCE SVCS.3 | 1430 EAST AVENUE, SUITE 3A CHICO, CA 95926 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $664 | $0 | $664 | 5.00% |
| HEALTHY SOLUTIONS INSURANCE SVCS.3 | 55 INDEPENDENCE CIRCLE, SUITE 108 CHICO, CA 95973 | VISION SERVICE PLAN | $167 | $0 | $167 | 9.99% |
| HEALTHY SOLUTIONS INSURANCE SVCS.3 | 55 INDEPENDENCE CIRCLE, SUITE 108 CHICO, CA 95973 | HEALTHIEST YOU | $239 | $0 | $239 | 15.01% |
| MELANIE BRUBAKER3 Filed as: MELANIE L. BRUBAKER | 30 PHILADELPHIA DRIVE, SUITE D CHICO, CA 95973 | AFLAC | $37 | $0 | $37 | 3.87% |
| LEFTOUT CAPITAL INC3 Filed as: LEFTOUT CAPITAL, INC. | 30 PHILADELPHIA DRIVE, SUITE D CHICO, CA 95973 | AFLAC | $33 | $0 | $33 | 3.45% |
| HEALTHY SOLUTIONS INSURANCE SVCS.3 | 55 INDEPENDENCE CIRCLE, SUITE 108 CHICO, CA 95973 | AFLAC | $25 | $0 | $25 | 2.62% |
| RYAN OLSON3 Filed as: RYAN T. OLSON | 1294 EAST FIRST AVENUE CHICO, CA 95926 | AFLAC | $16 | $0 | $16 | 1.67% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 242 | $162K |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 162 | $13K |
| Vision | VISION SERVICE PLAN | 165 | $2K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 242 | $160K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 198 | $1K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 242 | $160K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 242 | $160K |
| Other(6 contracts, 6 carriers) | BLUE CROSS OF CALIFORNIA | 242 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.