| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE SERVICES OF CA3 | 1277 TREAT BOULEVARD SUITE 400 WALNUT CREEK, CA 94597 | SYMETRA LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.68% |
| BRITTANY LLOYD3 | PO BOX 4942 EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 11.67% |
| STEPHANIE NOELLE KUGLER3 Filed as: STEPHANIE KUGLER | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $158 | $1K | 1.73% |
| CASEY JAMES KUGLER3 Filed as: CASEY KUGLER | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $590 | $588 | $1K | 1.69% |
| BRIAN ROBERT LLOYD3 Filed as: BRIAN LLOYD | 3053 COPPERWOOD WAY EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $708 | $175 | $883 | 1.27% |
| MJ INSURANCE3 Filed as: PAMELA LONG AND VARIOUS AGENTS | 200 SOUTH LEXINGTON DRIVE FOLSOM, CA 95630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $579 | $14 | $593 | 0.85% |
| NAOMI R HALL3 Filed as: NAOMI HALL | 1930 EAST HAROLD AVENUE VISALIA, CA 93292 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $446 | $0 | $446 | 0.64% |
| MARY KOCH3 | 117 WOLF RIVER COURT ROSEVILLE, CA 95661 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | $0 | $214 | 0.31% |
| BRIAN ROBERT LLOYD3 Filed as: BRIAN LLOYD | 3053 COPPERWOOD WAY EL DORADO HILLS, KY 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 1.94% |
| MJ INSURANCE3 Filed as: PATRICIA HERLONG AND VARIOUS AGENTS | 8 CROSSBOW PLACE COLUMBIA, SC 29212 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.94% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.89% |
| TODD CLARK LEE3 Filed as: TODD LEE | 1443 LADY SLIPPER COURT KENNESAW, GA 30152 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.79% |
| MAYNARD BENEFITS GRP INC3 Filed as: MAYNARD BENEFITS GROUP | PO BOX 9115 NORTH MYRTLE BEACH, SC 29582 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.52% |
| CASEY JAMES KUGLER3 Filed as: CASEY KUGLER | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.37% |
| MARY KOCH3 | 117 WOLF RIVER COURT ROSEVILLE, CA 95661 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.37% |
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 | 873 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 880 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,511 | $7.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,511 | $6.6M |
| Vision | VISION SERVICE PLAN | 627 | $63K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 873 | $397K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 873 | $397K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 873 | $397K |
| Prescription drug(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,511 | $7.7M |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 873 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,511 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.