| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 8110 CHICO, CA 95927 | BLUE CROSS OF CALIFORNIA | $26K | $0 | $26K | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SRVCS., LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | BLUE CROSS OF CALIFORNIA | $0 | $10K | $10K | 2.00% |
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 8110 CHICO, CA 95927 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 10.00% |
| INTERWEST INSURANCE SERVICES, LLC3 | 1357 A EAST LASSEN AVENUE CHICO, CA 95926 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $96 | $1K | 15.12% |
| INTERWEST INSURANCE SERVICES, LLC3 | 8950 CAL CENTER DRIVE BUILDING 3 2ND FLOOR SACRAMENTO, CA 95826 | ANTHEM LIFE INSURANCE COMPANY | $653 | $0 | $653 | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS., LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | ANTHEM LIFE INSURANCE COMPANY | $119 | $11 | $130 | 1.99% |
| MARK ELDON DANNENBERG3 Filed as: MARK MICHAEL MIKKO | 1721 STERLING DRIVE REDDING, CA 96003 | AFLAC | $98 | $0 | $98 | 5.65% |
| SCOTT R. FENTON3 | 945 TARAVAL STREET, SUITE 1137 SAN FRANCISCO, CA 94116 | AFLAC | $35 | $0 | $35 | 2.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW DOMINIC BROWN | 490 43RD STREET, SUITE 1009 OAKLAND, CA 94609 | AFLAC | $20 | $0 | $20 | 1.15% |
| JOSHUA LITTLEFIELD3 | 3236 MARLENE AVENUE REDDING, CA 96002 | AFLAC | $12 | $0 | $12 | 0.69% |
| RICK JOHNS3 Filed as: RICK DARLLE JOHNS | 929 MATHEWS DRIVE CHICO, CA 95926 | AFLAC | $6 | $0 | $6 | 0.35% |
| GARY WAYNE OGLE3 | 134 D STREET, SUITE 202 EUREKA, CA 95501 | AFLAC | $6 | $0 | $6 | 0.35% |
| PETER JOHN REGINELLI3 | 131 STREAM VALLEY BOULEVARD FRANKLIN, TN 37064 | AFLAC | $3 | $0 | $3 | 0.17% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 48 | $524K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 72 | $33K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 72 | $31K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $14K |
| Short-term disability | AFLAC | 6 | $2K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 48 | $524K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $16K |
| 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.