| 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 | $26K | $0 | $26K | 5.03% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | BLUE CROSS OF CALIFORNIA | $0 | $10K | $10K | 1.99% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES LLC | PO BOX 8110 CHICO, CA 95927 | AMERITAS LIFE INSURANCE CORPORATION | $4K | $0 | $4K | 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 | $126 | $1K | 15.67% |
| MARK ELDON DANNENBERG3 Filed as: MARK MIKKO | 1721 STERLING DRIVE REDDING, CA 96003 | AFLAC | $346 | $0 | $346 | 9.75% |
| SCOTT FENTON3 | 945 TARAVAL STREET, SUITE 1137 SAN FRANCISCO, CA 94116 | AFLAC | $47 | $0 | $47 | 1.32% |
| JOSHUA LITTLEFIELD3 | 3236 MARLENE AVENUE REDDING, CA 96002 | AFLAC | $38 | $0 | $38 | 1.07% |
| GARY WAYNE OGLE3 Filed as: GARY OGLE | 134 D STREET, SUITE 202 EUREKA, CA 95501 | AFLAC | $38 | $0 | $38 | 1.07% |
| MJ INSURANCE3 Filed as: RICK JOHNS AND VARIOUS AGENTS | 929 MATTHEWS DRIVE CHICO, CA 95926 | AFLAC | $25 | $0 | $25 | 0.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW BROWN | 490 43RD STREET, SUITE 1009 OAKLAND, CA 94609 | AFLAC | $20 | $0 | $20 | 0.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW BROWN | 1919 FAIRMONT AVENUE SW SEATTLE, WA 98126 | AFLAC | $8 | $0 | $8 | 0.23% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 100 | $522K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 88 | $39K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 88 | $36K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 103 | $529K |
| Short-term disability | AFLAC | 7 | $4K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 100 | $522K |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 103 | $533K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.