| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A FIRM FOUNDATION, INC.3 Filed as: A FIRM FOUNDATION INC. | 1530 HUMBOLDT RD. STE 5 CHICO, CA 95928 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.90% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD F3 WESTLAKE VILLAGE, CA 91361 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.22% |
| A FIRM FOUNDATION, INC.3 Filed as: A FIRM FOUNDATION INC. | 1530 HUMBOLDT RD. STE 5 CHICO, CA 95928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 8.80% |
| WILLIAM WAYNE STIGILE3 Filed as: WILLIAM WAYNE STIGLE | 436 KENDAL LOOP KALISPELL, MT 59901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | — | $250 | 1.51% |
| BARRY W MAAS3 Filed as: BARRY W. MAAS | 1272 W MORAGA RD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.47% |
| A FIRM FOUNDATION, INC.3 Filed as: A FIRM FOUNDATION INC. | 1530 HUMBOLDT RD. STE 5 CHICO, CA 95928 | STANDARD INSUANCE COMPANY | $1K | — | $1K | 13.44% |
| A FIRM FOUNDATION, INC.3 Filed as: A FIRM FOUNDATION INC. | 1530 HUMBOLDT RD. STE 5 CHICO, CA 95928 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $935 | — | $935 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUCENT HEALTH EIN 39-1997579 | Claims processing Service code 12 | 201 FRANKLIN RD SUITE 300 BRENTWOOD, TN 37027 | $22K |
| A FIRM FOUNDATION INC. EIN 46-0518519 | Insurance agents and brokers Service code 22 | — | $19K |
| ANTHEM BLUE CROSS OF CALIFORNIA EIN 84-0747736 | Claims processing Service code 12 | 21555 OXNARD ST WOODLAND HILLS, CA 91367 | $10K |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 58 | $291K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 179 | $82K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 179 | $82K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 179 | $106K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 17 | $17K |
| Prescription drug | SUN LIFE ASSURANCE COMPANY OF CANADA | 58 | $285K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 58 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.