| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 | P O BOX 8110 CHICO, CA 95927 | BLUE CROSS OF CALIFORNIA | $26K | $0 | $26K | 5.05% |
| AMWINS3 Filed as: AMWINS CONNECT INS SERVICES, LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | BLUE CROSS OF CALIFORNIA | $0 | $10K | $10K | 2.02% |
| INTERWEST INSURANCE SERVICES, LLC3 | P O 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 95926 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $138 | $1K | 15.62% |
| INTERWEST INSURANCE SERVICES, LLC3 | P O BOX 8110 CHICO, CA 95927 | STANDARD INSURANCE COMPANY | $527 | $0 | $527 | 10.14% |
| AMWINS3 Filed as: AMWINS CONNECT INS SERVICES, LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | STANDARD INSURANCE COMPANY | $0 | $105 | $105 | 2.02% |
| MARK ELDON DANNENBERG3 Filed as: MARK MICHAEL MIKKO | 1721 STERLING DRIVE REDDING, CA 96003 | AFLAC | $263 | $21 | $284 | 10.29% |
| JOSHUA LITTLEFIELD3 | 3236 MARLENE AVENUE REDDING, CA 96002 | AFLAC | $38 | $5 | $43 | 1.56% |
| GARY WAYNE OGLE3 | 134 D STREET, SUITE 202 EUREKA, CA 95501 | AFLAC | $33 | $5 | $38 | 1.38% |
| SCOTT R. FENTON3 | 945 TARAVAL STREET, SUITE 1137 SAN FRANCISCO, CA 94116 | AFLAC | $35 | $0 | $35 | 1.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW DOMINIC BROWN | 490 43RD STREET, SUITE 1009 OAKLAND, CA 94609 | AFLAC | $20 | $0 | $20 | 0.72% |
| JESSICA LAUREN PRINZ3 | PO BOX 523 COTTONWOOD, CA 96022 | AFLAC | $9 | $0 | $9 | 0.33% |
| RICK JOHNS3 Filed as: RICK DARLLE JOHNS & OTHER AGENT | 929 MATHEWS DRIVE CHICO, CA 95926 | AFLAC | $9 | $0 | $9 | 0.33% |
| INTERWEST INSURANCE SERVICES, LLC3 | P O BOX 8110 CHICO, CA 95927 | ANTHEM LIFE INSURANCE COMPANY | $93 | $0 | $93 | 5.91% |
| AMWINS3 Filed as: AMWINS CONNECT INS SERVICES, LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | ANTHEM LIFE INSURANCE COMPANY | $0 | $19 | $19 | 1.21% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 54 | $508K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 79 | $41K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 79 | $38K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $15K |
| Short-term disability | AFLAC | 4 | $3K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 54 | $508K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.