| 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 RED BLUFF, CA 95928 | PRINCIPAL LIFE INSURANCE COMPANY | — | $10K | $10K | 10.78% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | ATTN ACCOUNTING DEPARTMENT 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $923 | $8K | 8.03% |
| A FIRM FOUNDATION, INC.3 Filed as: A FIRM FOUNDATION INC. | 1530 HUMBOLDT RD. STE 5 CHICO, CA 95928 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $903 | — | $903 | 8.72% |
| WILLIAM WAYNE STIGILE3 Filed as: WILLIAM WAYNE STIGLE | 436 KENDAL LOOP KALISPELL, MT 59901 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | — | $154 | 1.49% |
| BARRY W MAAS3 Filed as: BARRY W. MASS | 1272 W. MORAGA RD FRESNO, CA 93711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.46% |
| A FIRM FOUNDATION, INC.3 Filed as: A FIRM FOUNDATION INC. | 1530 HUMBOLDT RD. STE 5 CHICO, CA 95928 | FIDELITY SECURITY LIFE INSURANCE | — | $5K | $5K | 101.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE FINANCIAL EIN 38-1082080 | Claims processing Service code 12 | — | $261K |
| LUCENT HEALTH EIN 39-1997579 | Claims processing Service code 12 | — | $25K |
| FIRM FOUNDATIONS EIN 46-0518519 | Insurance agents and brokers Service code 22 | — | $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) | FIDELITY SECURITY LIFE INSURANCE | 5 | $5K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $95K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $95K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 188 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.