| 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 | 8950 CAL CENTER DRIVE BUILDING 3, SUITE 200 SACRAMENTO, CA 95826 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $1 | $7K | 2.69% |
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 255188 SACRAMENTO, CA 95865 | PREMIER ACCESS INSURANCE COMPANY | $1K | $0 | $1K | 1.83% |
| INTERWEST INSURANCE SERVICES, LLC3 | 3636 AMERICAN RIVER DRIVE SACRAMENTO, CA 95864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $692 | $3K | 13.50% |
| INTERWEST INSURANCE SERVICES, LLC3 | 3636 AMERICAN RIVER DRIVE SACRAMENTO, CA 95864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| INTERWEST INSURANCE SERVICES, LLC3 | 8950 CAL CENTER DRIVE BUILDING 3 SACRAMENTO, CA 95826 | AMERITAS LIFE INSURANCE CORP. | $863 | $0 | $863 | 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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 49 | $580K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 139 | $73K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 136 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 60 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $20K |
| Prescription drug(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 49 | $580K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
No prospect flags tripped on this filing.