| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 | 310 HEMSTED DRIVE, SUITE 200 SUITE 200 REDDING, CA 96002 | CALIFORNIA PHYSICIANS SERVICE | $27 | $44K | $44K | 5.26% |
| INTERWEST INSURANCE SERVICES, LLC3 | 8950 CAL CENTER DRIVE, BUILDING 3 SUITE 200 SACRAMNETO, CA 95826 | KAISER FOUNDATION HEALTH PLAN INC | $15K | $2 | $15K | 5.09% |
| INTERWEST INSURANCE SERVICES, LLC3 | 8950 CAL CENTER DRIVE, BUILDING 3 SUITE 200 SACRAMNETO, CA 95826 | SUNLIFE ASSURANCE COMPANY OF CANADA | $15K | $0 | $15K | 9.97% |
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 255188 SACRAMNETO, CA 95865 | PROMINENCE HEALTH PLAN | $6K | $0 | $6K | 4.00% |
| INTERWEST INSURANCE SERVICES, LLC3 | 8950 CAL CENTER DRIVE, BUILDING 3 SUITE 200 SACRAMNETO, CA 95826 | UNION SECURITY INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 255188 SACRAMNETO, CA 95865 | HUMANA INSURANCE COMPANY | $1K | $472 | $2K | 12.11% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 178 | $1.3M |
| Dental(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 286 | $192K |
| Vision | HUMANA INSURANCE COMPANY | 123 | $16K |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 178 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.