| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DALE PENNE3 Filed as: DALE E. PENNE | 1530 HUMBOLT RD. STE. 5 CHICO, CA 95765 | BLUE SHIELD OF CALIFORNIA | $33K | — | $33K | 6.09% |
| STEPHEN D MOORE3 Filed as: STEPHEN D. MOORE | 6540 LONETREE BLVD. STE. 100 ROCKLIN, CA 95765 | BLUE SHIELD OF CALIFORNIA | $27K | — | $27K | 5.00% |
| A FIRM FOUNDATION, INC.3 Filed as: A FIRM FOUNDATION | 1530 HUMBOLDT RD. STE. 5 CHICO, CA 95928 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.41% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N 40TH ST. STE. 234 PHOENIX, AZ 85018 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.89% |
| A FIRM FOUNDATION, INC.3 Filed as: A FIRM FOUNDATION | 1530 HUMBOLDT RD. STE. 5 CHICO, CA 95928 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 8.57% |
| WILLIAM WAYNE STIGILE3 | 514 GRINDSTONE RD. WOODBRIDGE, CA 95258 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $47 | $1K | 2.84% |
| CARA LOUISE MCFADYEN3 | 1530 HUMBOLDT RD. STE. 5 CHICO, CA 95928 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $928 | — | $928 | 2.18% |
| BARRY W MAAS3 Filed as: BARRY W. MAAS | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $400 | $188 | $588 | 1.38% |
| CRAIG PHILIP SCHMIDT3 | 1130 DAVIS ST. VACAVILLE, CA 95687 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $353 | — | $353 | 0.83% |
| DALE PENNE3 Filed as: DALE E. PENNE | 1530 HUMBOLDT RD. STE. 5 CHICO, CA 95928 | GUARDIAN LIFE INSURANCE CO. OF AMERICA | $4K | — | $4K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD. WESTLAKE VILLAGE, CA 91361 | GUARDIAN LIFE INSURANCE CO. OF AMERICA | $2K | — | $2K | 5.00% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 91 | $549K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $110K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $110K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 163 | $110K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 46 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.