| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 | 310 HEMSTED DRIVE, SUITE 200 REDDING, CA 96002 | CALIFORNIA PHYSICIANS SERVICE | $95K | $0 | $95K | 3.01% |
| INTERWEST INSURANCE SERVICES, LLC3 | 310 HEMSTED DRIVE, SUITE 200 REDDING, CA 96002 | DELTA DENTAL OF CALIFORNIA | $20K | $0 | $20K | 10.00% |
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 8110 CHICO, CA 95927 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.10% |
| INTERWEST INSURANCE SERVICES, LLC3 | 300 TRES PINOS ROAD, SUITE A-1 HOLLISTER, CA 95023 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $273 | $3K | 16.75% |
| INTERWEST INSURANCE SERVICES, LLC3 | 310 HEMSTED DRIVE, SUITE 200 REDDING, CA 96002 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $251 | $0 | $251 | 2.92% |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 363 | $3.1M |
| Dental | DELTA DENTAL OF CALIFORNIA | 423 | $201K |
| Vision | VISION SERVICE PLAN | 233 | $40K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $24K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 363 | $3.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.