| 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 | $1K | $63K | $64K | 2.85% |
| AMWINS3 Filed as: LISI, LLC | 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | BLUE SHIELD OF CA-CALIFORNIA PHYSICIAN'S SERVICE | — | $33K | $33K | 1.49% |
| EVO INSURANCE SERVICES INC3 Filed as: EVO INSURANCE SERVICES, INC. | 13431 OAK RANCH LANE CHICO, CA 95973 | BLUE SHIELD OF CA-CALIFORNIA PHYSICIAN'S SERVICE | — | $6K | $6K | 0.25% |
| DAYTON SAYER INSURANCE AGENCY INC.3 Filed as: DAYTON SAYER INSURANCE INC | PO BOX 3640 CHICO, CA 959273640 | THE STANDARD INSURANCE COMPANY DENTAL | $9K | — | $9K | 4.61% |
| EVO INSURANCE SERVICES INC3 Filed as: EVO INSURANCE SERVICES, INC. | 180 E 4TH STREET STE 100 CHICO, CA 95928 | THE STANDARD INSURANCE COMPANY DENTAL | $795 | — | $795 | 0.39% |
| 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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CA-CALIFORNIA PHYSICIAN'S SERVICE | 167 | $2.2M |
| Dental | THE STANDARD INSURANCE COMPANY DENTAL | 184 | $202K |
| Vision | BLUE SHIELD OF CA-CALIFORNIA PHYSICIAN'S SERVICE | 167 | $2.2M |
| Life insurance | THE STANDARD INSURANCE COMPANY LIFE | 187 | $30K |
| Prescription drug | BLUE SHIELD OF CA-CALIFORNIA PHYSICIAN'S SERVICE | 167 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.