| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | P.O. BOX 255188 SACRAMENTO, CA 95865 | CYPRESS DENTAL | $6K | — | $6K | 4.67% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | CYPRESS DENTAL | $2K | — | $2K | 1.28% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | FIDELITY SECURITY LIFE INSURANCE | $12K | — | $12K | 15.00% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | P.O. BOX 255188 SACRAMENTO, CA 95865 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $409 | $4K | 12.40% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.89% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES | P.O. BOX 255188 SACRAMENTO, CA 95865 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $813 | $142 | $955 | 8.68% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $287 | — | $287 | 2.61% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FIDELITY SECURITY LIFE INSURANCE | 31 | $81K |
| Dental | CYPRESS DENTAL | 104 | $122K |
| Vision | CYPRESS DENTAL | 104 | $122K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $43K |
| Prescription drug | FIDELITY SECURITY LIFE INSURANCE | 31 | $81K |
| Other(3 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE | 136 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.