| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BECK MARGARET R3 | 1348 MARKET ST #208 REDDING, CA 96001 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 11.11% |
| BECK MARGARET R3 | 1348 MARKET ST SUITE B REDDING, CA 96001 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $588 | — | $588 | 5.93% |
| EVO INSURANCE SERVICES INC3 | 180 E 4TH STREET SUITE 100 CHICO, CA 95928 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $499 | — | $499 | 5.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADVANTEK BENEFIT ADMINISTRATION EIN 77-0382381 ADMINISTRATION SERVICE | Contract Administrator; Claims processing Service code 12 | 811 I STREET ARCATA, CA 95521 | $37K |
| ANTHEM BLUE CROSS AND HEALTH INSURA EIN 95-4331852 ADMINISTRATION SERVICE | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Float revenue; Contract Administrator Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $32K |
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 | 177 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 177 | $10K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 150 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.