| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | PO BOX 8110 CHICO, CA 95927 | BLUE CROSS OF CALIFORNIA | $57K | $0 | $57K | 4.86% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | PO BOX 255188 SACRAMENTO, CA 95865 | KAISER FOUNDATION HEALTH PLAN INC | $51K | $0 | $51K | 4.99% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | PO BOX 8110 CHICO, CA 95927 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $12 | $24K | 9.99% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | 3636 AMERICAN RIVER DRIVE SACRAMENTO, CA 95864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 15.00% |
| INTERWEST INSURANCE SERVICES, LLC Filed as: INTERWEST INSURANCE SERVICS | 310 HEMSTED DRIVE SUITE 200 REDDING, CA 96002 | VISION SERVICE PLAN | $961 | $0 | $961 | 2.91% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 511398 LOS ANGELES, CA 90051 | VISION SERVICE PLAN | $515 | $0 | $515 | 1.56% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | 8950 CAL CENTER DRIVE SUITE 200 SACRARMENTO, CA 95826 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $1K | $0 | $1K | 4.87% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 221 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 559 | $240K |
| Vision | VISION SERVICE PLAN | 267 | $33K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 276 | $121K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 276 | $121K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 276 | $121K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 221 | $2.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 276 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.