| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 255188 SACRAMENTO, CA 95865 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 5.05% |
| INTERWEST INSURANCE SERVICES, LLC3 | 310 HEMSTED DRIVE, SUITE 200 REDDING, CA 96002 | UNION SECURITY INSURANCE COMPANY | — | $3K | $3K | 2.99% |
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 255188 SACRAMENTO, CA 95865 | UDC DENTAL OF CALIFORNIA, INC | $496 | — | $496 | 5.00% |
| INTERWEST INSURANCE SERVICES, LLC3 | 310 HEMSTED DRIVE, SUITE 200 REDDING, CA 96002 | UDC DENTAL OF CALIFORNIA, INC | — | $309 | $309 | 3.12% |
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 255188 SACRAMENTO, CA 95865 | UNITED DENTAL CARE OF TEXAS, INC | $205 | — | $205 | 5.00% |
| INTERWEST INSURANCE SERVICES, LLC3 | 310 HEMSTED DRIVE, SUITE 200 REDDING, CA 96002 | UNITED DENTAL CARE OF TEXAS, INC | — | $126 | $126 | 3.07% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 113 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.