| 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 | $398K | $9K | $407K | 4.09% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC. | $50K | $1K | $52K | 3.56% |
| PAYLOCITY CORPORATION3 | PO BOX 711 PORTLAND, OR 97207 | STANDARD INSURANCE COMPANY | $0 | $29K | $29K | 2.78% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $17K | $0 | $17K | 1.63% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | AETNA LIFE INSURANCE COMPANY | $24K | $3 | $24K | 2.92% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | AETNA LIFE INSURANCE COMPANY | $17K | $750 | $18K | 2.12% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 10.03% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | $0 | $3K | 4.38% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $229 | $0 | $229 | 8.83% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | $0 | $119 | 4.59% |
| STEPHANIE NOELLE KUGLER3 Filed as: STEPHANIE KUGLER | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 2.00% |
| JENNIFER AURORA RAMIREZ3 Filed as: JENNIFER RAMIREZ | 4120 WHITTIER STREET SAN DIEGO, CA 92107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.85% |
| BRIAN ROBERT LLOYD3 Filed as: BRIAN LLOYD | 5187 BRENTFORD WAY EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.73% |
| CASEY JAMES KUGLER3 Filed as: CASEY KUGLER | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.73% |
| WENDY S FRIREE TAFT3 Filed as: WENDY TAFT | PO BOX 1024 BERLIN, MA 01503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.50% |
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 | 1,680 | 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) | 1,680 | 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 | 939 | $11.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,963 | $828K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,137 | $162K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,680 | $1.0M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,680 | $1.0M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,680 | $1.0M |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 939 | $11.5M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 1,840 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,963 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.