| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A FIRM FOUNDATION, INC.3 Filed as: FIRM FOUNDATIONS | 1530 HUMBOLDT RD STE 5 CHICO, CA 95928 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 11.63% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES INC | ATTN ACCOUNTING DEPT 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.24% |
| A FIRM FOUNDATION, INC.3 Filed as: A FIRM FOUNDATIONS | 1530 HUMBOLDT RD. STE 5 CHICO, CA 95928 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $1K | — | $1K | 8.75% |
| WILLIAM WAYNE STIGILE3 | 436 KENDAL LOOP KALISPELL, MT 59901 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $194 | — | $194 | 1.44% |
| BARRY W MAAS3 Filed as: BARRY W. MAAS | 1272 W. MORAGA RD. FRESNO, CA 93711 | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | $64 | — | $64 | 0.47% |
| A FIRM FOUNDATION, INC.3 Filed as: A FIRM FOUNDATION INC | 1530 HUMBOLDT RD STE 5 CHICO, CA 95928 | FIDELITY SECURITY LIFE INSURANCE | $1K | — | $1K | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FIRM FOUNDATIONS EIN 46-0518519 | Insurance agents and brokers Service code 22 | — | $25K |
| LUCENT HEALTH EIN 39-1997579 | Claims processing Service code 12 | — | $23K |
| ANTHEM BLUE CROSS OF CALIFORNIA EIN 84-0747736 | Claims processing Service code 12 | — | $11K |
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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | 20 | $23K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 181 | $81K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 181 | $81K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 181 | $81K |
| Short-term disability | COLONIAL LIFE AND ACCIDENTAL INSURANCE COMPANY | 20 | $13K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 80 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.