| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DALE PENNE3 | 1530 HUMBOLDT ROAD SUITE 5 CHICO, CA 95928 | ANTHEM BLUE CROSS | $16K | — | $16K | 4.29% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD. WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS | — | $3K | $3K | 0.86% |
| STEPHEN D MOORE3 Filed as: STEPHEN D. MOORE | 6540 LONETREE BLVD, STE 110 ROCKLIN, CA 95765 | BLUE SHIELD OF CALIFORNIA | $13K | — | $13K | 5.00% |
| A FIRM FOUNDATION, INC.3 | 1530 HUMBOLDT ROAD SUITE 5 CHICO, CA 95928 | BLUE SHIELD OF CALIFORNIA | $5K | — | $5K | 2.00% |
| DALE PENNE3 | 1530 HUMBOLDT ROAD SUITE 5 CHICO, CA 95928 | GUARDIAN LIFE INSURANCE C. OF AMERICA | $12K | — | $12K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD. WESTLAKE VILLAGE, CA 91361 | GUARDIAN LIFE INSURANCE C. OF AMERICA | $6K | — | $6K | 5.00% |
| A FIRM FOUNDATION, INC.3 | 1530 HUMBOLDT ROAD SUITE 5 CHICO, CA 95928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 9.33% |
| WILLIAM WAYNE STIGILE3 | 514 GRINDSTONE WOODBRIDGE, CA 95258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $462 | — | $462 | 1.72% |
| BARRY W MAAS3 Filed as: BARRY W. MAAS | PO BOX 5809 FRESNO, CA 93755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $1 | $143 | 0.53% |
| CARA LOUISE MCFADYEN3 | 1530 HUMBOLDT ROAD SUITE 5 CHICO, CA 95928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.10% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 98 | $624K |
| Dental | GUARDIAN LIFE INSURANCE C. OF AMERICA | 178 | $119K |
| Vision | GUARDIAN LIFE INSURANCE C. OF AMERICA | 178 | $119K |
| Life insurance | GUARDIAN LIFE INSURANCE C. OF AMERICA | 178 | $119K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 34 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.