| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIRK STODDARD3 | — | CALIFORNIA CHOICE | $85K | — | $85K | 5.12% |
| KIRK STODDARD3 | — | DELTA DENTAL OF CALIFORNIA | $11K | — | $11K | 10.00% |
| KIRK STODDARD3 | — | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 10.00% |
| KRAFT LAKE INSURANCE AGENCY3 | PO BOX 2546 GRAND RAPIDS, MI 495012546 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| DANIEL J BAZIS3 | 2297 HAMPSHIRE DR DISCOVERY BAY, CA 94505 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $5K | $6K | 73.02% |
| KIRK STODDARD3 Filed as: KIRK DICKEY STODDARD | 1631 WILLOW ST SAN JOSE, CA 95125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 19.06% |
| CASEY JAMES KUGLER3 | 336 PACIFICA DRIVE BRENTWOOD, CA 94513 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $327 | $1K | $1K | 16.31% |
| BRIAN ROBERT LLOYD3 | 1781 VINEYARD DR STE 225 ANTIOCH, CA 94509 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $316 | $554 | $870 | 10.29% |
| SCOTT THOMAS EUGENE STODDARD3 | 1631 WILLOW STREET SAN JOSE, CA 95125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $537 | — | $537 | 6.35% |
| MARY KOCH3 | 1012 EMMA ROSE BLVD BRENTWOOD, CA 94513 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $312 | $32 | $344 | 4.07% |
| STEPHANIE NOELLE KUGLER3 | 336 PACIFICA DRIVE BRENTWOOD, CA 94513 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $13 | $45 | 0.53% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA CHOICE | 235 | $1.7M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 270 | $130K |
| Vision | CALIFORNIA CHOICE | 235 | $1.7M |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 80 | $18K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 17 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.