| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $251K | $16K | $266K | 5.31% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $45K | $4K | $48K | 5.30% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | AETNA LIFE INSURANCE COMPANY | $24K | $3K | $27K | 5.42% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $42K | $4K | $46K | 17.41% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | $0 | $3K | 5.43% |
| BRITTANY LLOYD3 | PO BOX 4942 EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $370 | $442 | $812 | 11.33% |
| MJ INSURANCE3 Filed as: RICKY JANDERWSKI AND VARIOUS AGENTS | 4550 ATKINS ROAD CLYDE TOWNSHIP, MI 48049 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $648 | $67 | $715 | 9.98% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $504 | $0 | $504 | 7.03% |
| KENNETH JAMES BOWERY3 | 2083 PINECROFT DRIVE CANTON, MI 48188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $337 | $431 | 6.02% |
| CASEY JAMES KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $172 | $225 | 3.14% |
| STEPHANIE NOELLE KUGLER3 | 906 HAEKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | $73 | $206 | 2.88% |
| BRIAN ROBERT LLOYD3 | PO BOX 11 KNIGHTSEN, CA 94548 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $124 | $177 | 2.47% |
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 | 1,123 | 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) | 1,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 559 | $6.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,080 | $496K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 560 | $137K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 275 | $263K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 275 | $263K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 275 | $263K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 559 | $6.0M |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 275 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,080 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.