| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | PO BOX 8110 CHICO, CA 95927 | BLUE CROSS OF CALIFORNIA | $30K | $0 | $30K | 5.14% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94403 | BLUE CROSS OF CALIFORNIA | $0 | $12K | $12K | 2.04% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | PO BOX 8110 CHICO, CA 95927 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 10.00% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES INC | 1357 A EAST LASSEN AVENUE CHICO, CA 95973 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $133 | $1K | 15.87% |
| MARK ELDON DANNENBERG3 Filed as: MARK MIKKO | 1721 STERLING DRIVE REDDING, CA 96003 | AFLAC | $240 | $0 | $240 | 3.92% |
| MJ INSURANCE3 Filed as: KEVIN MARSHALL AND VARIOUS AGENTS | 139 CASA GRANDE DRIVE RED BLUFF, CA 96080 | AFLAC | $83 | $0 | $83 | 1.36% |
| SCOTT FENTON3 | 11400 SE 8TH STREET, SUITE 447 BELLEVUE, WA 98004 | AFLAC | $70 | $0 | $70 | 1.14% |
| KAREN DELANGELO3 | 78813 YELLEN DRIVE PALM DESERT, CA 92211 | AFLAC | $55 | $0 | $55 | 0.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW BROWN | 1919 FAIRMONT AVENUE SW SEATTLE, WA 98126 | AFLAC | $41 | $0 | $41 | 0.67% |
| JOHN ULMER3 | 2055 GOLF COURSE ROAD BAYSIDE, CA 95524 | AFLAC | $30 | $0 | $30 | 0.49% |
| WILLIAM WALTER WARNER3 Filed as: WILLIAM WARNER | 1420 SERRANO PLACE, APARTMENT A REDDING, CA 96003 | AFLAC | $28 | $0 | $28 | 0.46% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 94 | $589K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 92 | $40K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 92 | $33K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 94 | $596K |
| Short-term disability | AFLAC | 7 | $6K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 94 | $589K |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 94 | $602K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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.