| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN D MOORE3 Filed as: STEPHEN D. MOORE | 6540 LONETREE BLVD STE 100 ROCKLINE, CA 95765 | BLUE SHIELD OF CALIFORNIA | $32K | — | $32K | 5.00% |
| A FIRM FOUNDATION, INC.3 | 1530 HUMBOLDT RD STE 5 CHICO, CA 95928 | BLUE SHIELD OF CALIFORNIA | $14K | — | $14K | 2.16% |
| DALE PENNE3 Filed as: DALE E. PENNE | 1530 HUMBOLDT RD STE 5 CHICO, CA 95928 | BLUE SHIELD OF CALIFORNIA | $2K | — | $2K | 0.32% |
| DALE PENNE3 Filed as: DALE E. PENNE | 1530 HUMBOLDT RD STE 5 CHICO, CA 95928 | GUARDIAN LIFE INSURANCE CO. OF AMERICA | $15K | — | $15K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | GUARDIAN LIFE INSURANCE CO. OF AMERICA | $8K | — | $8K | 5.00% |
| A FIRM FOUNDATION, INC.3 | 1530 HUMBOLDT RD STE 5 CHICO, CA 95928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.67% |
| WILLIAM WAYNE STIGILE3 | 514 GRINDSTONE WOODBRIDGE, CA 95258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $441 | — | $441 | 1.60% |
| CARA LOUISE MCFADYEN3 Filed as: CARA LOUISE MCFAYDEN | 1530 HUMBOLDT RD STE 5 CHICO, CA 95928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.07% |
| BARRY W MAAS3 | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 111 | $634K |
| Dental | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 184 | $150K |
| Vision | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 184 | $150K |
| Life insurance | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 184 | $150K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 35 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.