| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | PO BOX 2268 MERCED, CA 95344 | BLUE CROSS OF CALIFORNIA | $31K | $14K | $45K | 6.69% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES | 1600 HILLSDALE BOULEVARD, SUITE 201 SAN MATEO, CA 94403 | BLUE CROSS OF CALIFORNIA | $0 | $12K | $12K | 1.84% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | PO BOX 8110 CHICO, CA 95927 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 10.00% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | 1357 A EAST LASSEN AVENUE CHICO, CA 95926 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $159 | $1K | 15.70% |
| MARK ELDON DANNENBERG3 Filed as: MARK MICHAEL MIKKO | 1721 STERLING DRIVE REDDING, CA 96003 | AFLAC | $378 | $0 | $378 | 4.29% |
| JESSICA LAUREN PRINZ3 Filed as: JESSICA L. PRINZ AND VARIOUS OTHERS | PO BOX 523 COTTONWOOD, CA 96022 | AFLAC | $246 | $0 | $246 | 2.79% |
| SCOTT R. FENTON3 | 11303 MALAPAI PARK SAN ANTONIO, TX 78249 | AFLAC | $96 | $0 | $96 | 1.09% |
| MARTY JOE TURNER3 | 209 WATERFORD DRIVE CATAULA, GA 31804 | AFLAC | $64 | $0 | $64 | 0.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW DOMINIC BROWN | 1259 LOOP 337, SUITE 200 NEW BRAUNFELS, TX 78130 | AFLAC | $54 | $0 | $54 | 0.61% |
| KAREN DELANGELO3 | 78813 YELLEN DRIVE PALM DESERT, CA 92211 | AFLAC | $51 | $0 | $51 | 0.58% |
| HEIDI ALDOROTY3 Filed as: HEIDI M. SCHAFER ALDOROTY | 5135 PATRICK CREEK DRIVE MCKINLEYVILLE, CA 95519 | AFLAC | $37 | $0 | $37 | 0.42% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 119 | $677K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 105 | $39K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 105 | $30K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 130 | $686K |
| Short-term disability | AFLAC | 13 | $9K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 119 | $677K |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 130 | $695K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
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.