| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHY SOLUTIONS INSURANCE SERVICE3 Filed as: HEALTHY SOLUTIONS INSURANCE | 55 INDEPENDENCE CIRCLE, SUITE 108 CHICO, CA 95973 | BLUE CROSS OF CALIFORNIA | $128K | $0 | $128K | 5.45% |
| HEALTHY SOLUTIONS INSURANCE SERVICE3 Filed as: HEALTHY SOLUTIONS | 55 INDEPENDENCE CIRCLE, SUITE 108 CHICO, CA 95973 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.44% |
| HEALTHY SOLUTIONS INSURANCE SVCS.3 | 55 INDEPENDENCE CIRCLE, SUITE 108 CHICO, CA 95973 | HEALTHIEST YOU | $3K | $0 | $3K | 15.00% |
| LEFTOUT CAPITAL INC3 Filed as: LEFTOUT CAPITAL INC. | 3221 COHASSET ROAD, SUITE 130 CHICO, CA 95973 | AFLAC | $399 | $0 | $399 | 3.47% |
| MELANIE BRUBAKER3 Filed as: MELANIE L. BRUBAKER | 30 PHILADELPHIA DRIVE, SUITE D CHICO, CA 95973 | AFLAC | $373 | $0 | $373 | 3.24% |
| HEALTHY SOLUTIONS INSURANCE SVCS.3 | 55 INDEPENDENCE CIRCLE, SUITE 108 CHICO, CA 95973 | AFLAC | $296 | $0 | $296 | 2.57% |
| RYAN OLSON3 Filed as: RYAN T. OLSON | 1295 EAST 1ST AVENUE CHICO, CA 95929 | AFLAC | $191 | $0 | $191 | 1.66% |
| MELAINE BRUBAKER AND OTHER AGENTS3 Filed as: MELAINE L. BRUBAKER | 3221 COHASSET ROAD, SUITE 130 CHICO, CA 95973 | AFLAC | $76 | $0 | $76 | 0.66% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 258 | $2.4M |
| Dental | BLUE CROSS OF CALIFORNIA | 258 | $2.3M |
| Vision | VISION SERVICE PLAN | 173 | $21K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 258 | $2.3M |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 17 | $14K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 258 | $2.3M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 258 | $2.3M |
| Other(6 contracts, 6 carriers) | BLUE CROSS OF CALIFORNIA | 680 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 680 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.