| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 | 5401 OLD REDWOOD HIGHWAY SUITE 105 PETALUMA, CA 94954 | SUTTER HEALTH PLAN | $16K | $0 | $16K | 5.00% |
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 255188 SACRAMENTO, CA 95865 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 3.34% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, FLOOR 21 SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN INC | -$2K | $0 | -$2K | -0.79% |
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 255188 SACRAMENTO, CA 95865 | PREMIER ACCESS INSURANCE COMPANY | $1K | $0 | $1K | 2.00% |
| INTERWEST INSURANCE SERVICES, LLC3 | 3636 AMERICAN RIVER DRIVE SACRAMENTO, CA 95864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| INTERWEST INSURANCE SERVICES, LLC3 | 8590 CALIFORNIA CENTER DRIVE BUILDING 3 SACRAMENTO, CA 95826 | AMERITAS LIFE INSURANCE CORP. | $838 | $0 | $838 | 10.00% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | 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)(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 57 | $584K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 122 | $64K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 121 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $17K |
| Prescription drug(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 57 | $584K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.