| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 8110 CHICO, CA 95927 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 20.70% |
| INTERWEST INSURANCE SERVICES, LLC3 | 1357 EAST LASSEN AVENUE CHICO, CA 95973 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 3.31% |
| INTERWEST INSURANCE SERVICES, LLC3 | 310 HENSTED DRIVE, SUITE 200 REDDING, CA 96002 | BLUE SHIELD OF CALIFORNIA LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 6540 LONETREE BOULEVARD, SUITE 100 FRESNO, CA 93711 | BLUE SHIELD OF CALIFORNIA LIFE AND HEALTH INSURANCE COMPANY | $45 | — | $45 | 0.22% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 182 | $123K |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 134 | $0 |
| Life insurance(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 134 | $53K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 48 | $32K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $0 |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 182 | $90K |
| Other | BLUE SHIELD OF CALIFORNIA LIFE AND HEALTH INSURANCE COMPANY | 27 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.