| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES | 3636 AMERICAN RIVER DRIVE 2ND FLOOR SACRAMENTO, CA 95864 | CALIFORNIA PHYSICIANS SERVICE | $58K | $0 | $58K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES INC | PO BOX 255188 SACRAMENTO, CA 95865 | KAISER FOUNDATION HEALTH PLAN INC | $22K | $0 | $22K | 3.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES INC | 1357A EAST LASSEN AVENUE CHICO, CA 95973 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $33 | $33 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES LLC | PO BOX 8110 CHICO, CA 95927 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $12 | $16K | 9.45% |
| INTERWEST INSURANCE SERVICES, LLC3 | 310 HEMSTED DRIVE SUITE 200 REDDING, CA 96002 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.12% |
| ROSALIE KAY PARKS3 | 136 MARK WEST STATION ROAD WINDSOR, CA 95492 | AFLAC | $2K | $68 | $2K | 10.04% |
| MICHAEL J. MCVAY3 | 8967 CREST VIEW DRIVE CORONA, CA 92883 | AFLAC | $932 | $0 | $932 | 4.64% |
| MARK C. HUBER3 | 480 SAN GABRIEL DRIVE SONOMA, CA 95476 | AFLAC | $466 | $14 | $480 | 2.39% |
| MJ INSURANCE3 Filed as: LAURA RUNYEON AND VARIOUS AGENTS | 2042 WEATHERBY WAY PETALUMA, CA 94954 | AFLAC | $390 | $0 | $390 | 1.94% |
| DAVID B. KITCHEN3 | 1260 NORTH DUTTON AVENUE, SUITE 180 SANTA ROSA, CA 95401 | AFLAC | $300 | $14 | $314 | 1.56% |
| JOHN P. BATES JR.3 | 440 REGENTS PARK DRIVE VALLEJO, CA 94591 | AFLAC | $111 | $0 | $111 | 0.55% |
| MICHAEL BOOTH3 Filed as: MICHAEL H. BOOTH | 740 4TH STREET SANTA ROSA, CA 95404 | AFLAC | $65 | $0 | $65 | 0.32% |
| INTERWEST INSURANCE SERVICES, LLC3 | 1357 EAST LASSEN AVENUE CHICO, CA 95973 | MANAGED HEALTH NETWORK | $600 | $0 | $600 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INTERWEST INS SERVICES LLC | PO BOX 8110 CHICO, CA 95927 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $265 | $0 | $265 | 8.93% |
| DEGATI & ASSOCIATES INC3 Filed as: DEGATI AND ASSOCIATES INC. | 16059 23RD AVENUE WHITESTONE, NY 11357 | AFLAC | $88 | $0 | $88 | 3.29% |
| RICHARD PETERSON3 | 14107 20TH AVENUE, SUITE 507 WHITESTONE, NY 11357 | AFLAC | $40 | $0 | $40 | 1.49% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $20 | $0 | $20 | 0.75% |
| BENITO A ROTONDI II INC3 Filed as: BENITO ROTONDI II INC. | 23 PINE RIDGE ROAD SARASOTA SPRINGS, NY 12866 | AFLAC | $3 | $0 | $3 | 0.11% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $3 | $0 | $3 | 0.11% |
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 | 199 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 131 | $1.7M |
| Dental(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $190K |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 195 | $47K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $187K |
| Short-term disability(2 contracts) | AFLAC | 25 | $23K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $165K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 131 | $1.7M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.