| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERWEST INSURANCE SERVICES, LLC3 | 8950 CAL CENTER DRIVE, BUILDING 3 SACRAMENTO, CA 95826 | UNITEDHEALTHCARE INSURANCE COMPANY | $60K | $0 | $60K | 2.57% |
| JAMES A. BULOTTI3 | PO BOX 255188 SACRAMENTO, CA 95865 | UNUM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.62% |
| BIZLINKS INSURANCE SERVICES, INC.3 | 140 DIAMOND CREEK PLACE ROSEVILLE, CA 95747 | UNUM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.84% |
| INTERWEST INSURANCE SERVICES, LLC3 Filed as: INTERWEST INSURANCE SERVICES, LLC. | 330 TRES PINOS ROAD, SUITE A1 HOLLISTER, CA 95023 | UNUM LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.62% |
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 8110 CHICO, CA 95927 | VISION SERVICE PLAN | $812 | $0 | $812 | 2.84% |
| BIZLINKS INSURANCE SERVICES, INC.3 | 140 DIAMOND CREEK PLACE ROSEVILLE, CA 95747 | VISION SERVICE PLAN | $171 | $0 | $171 | 0.60% |
| INTERWEST INSURANCE SERVICES, LLC3 | 1357 A EAST LASSEN AVENUE CHICO, CA 95926 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 16.70% |
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 255188 SACRAMENTO, CA 95865 | PREMIER ACCESS INSURANCE COMPANY | $2K | $0 | $2K | 13.58% |
| WESTERN ELITE INSURANCE SOLUTIONS3 | 140 DIAMOND CREEK PLACE ROSEVILLE, CA 95747 | PREMIER ACCESS INSURANCE COMPANY | $1K | $0 | $1K | 7.59% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 371 | $2.3M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 423 | $17K |
| Vision | VISION SERVICE PLAN | 135 | $29K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 222 | $222K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 222 | $222K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 222 | $222K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 371 | $2.3M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 222 | $246K |
| 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.