| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAYTON SAYER INSURANCE AGENCY INC.3 Filed as: DAYTON SAYER INSURANCE AGENCY INC | 1166 ESPLANADE SUITE 1 CHICO, CA 95926 | BLUE SHIELD OF CA-CALIFORNIA PHYSICIAN'S SERVICE | $72K | — | $72K | 3.03% |
| DAYTON SAYER INSURANCE AGENCY INC.3 Filed as: DAYTON SAYER INSURANCE INC | PO BOX 3640 CHICO, CA 959273640 | HUMANA INSURANCE COMPANY | $6K | — | $6K | 2.96% |
| DAYTON SAYER INSURANCE AGENCY INC.3 Filed as: DAYTON SAYER INSURANCE INC | PO BOX 3640 CHICO, CA 959273640 | THE STANDARD INSURANCE COMPANY LIFE | $4K | — | $4K | 15.00% |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CA-CALIFORNIA PHYSICIAN'S SERVICE | 176 | $2.4M |
| Dental | HUMANA INSURANCE COMPANY | 183 | $187K |
| Vision | BLUE SHIELD OF CA-CALIFORNIA PHYSICIAN'S SERVICE | 176 | $2.4M |
| Life insurance | THE STANDARD INSURANCE COMPANY LIFE | 186 | $30K |
| Prescription drug | BLUE SHIELD OF CA-CALIFORNIA PHYSICIAN'S SERVICE | 176 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.