| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIRK STODDARD | — | CAL CHOICE | $96K | — | $96K | 5.04% |
| KIRK STODDARD3 Filed as: KIRK STODDARD AGENCY | — | DELTA DENTAL OF CALIFORNIA | $13K | — | $13K | 10.00% |
| KIRK STODDARD3 | — | CAL CHOICE | $4K | — | $4K | 6.41% |
| STODDARD, KIRK D3 Filed as: STODDARD KIRK D | STE 225 1631 WILLOW ST SAN JOSE, CA 95125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.66% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMINIS | 721 S PARKER ST STE 300 ORANGE, CA 92868 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $2K | 8.37% |
| KIRK STODDARD3 Filed as: KIRK STODDARD AGENCY | — | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 10.00% |
| DANIEL J BAZIS3 | 5085 QUINN DRIVE VACAVILLE, CA 95688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $4K | 32.63% |
| KIRK STODDARD3 Filed as: KIRK DICKEY STODDARD | 1631 WILLOW ST SAN JOSE, CA 95125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 10.67% |
| CASEY JAMES KUGLER3 | 336 PACIFICA DRIVE BRENTWOOD, CA 94513 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $296 | $854 | $1K | 10.13% |
| SCOTT THOMAS EUGENE STODDARD3 | 1631 WILLOW STREET SAN JOSE, CA 95125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $404 | — | $404 | 3.56% |
| STEPHANIE NOELLE KUGLER3 | 336 PACIFICA DRIVE BRENTWOOD, CA 94513 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $221 | $98 | $319 | 2.81% |
| BRIAN ROBERT LLOYD3 | PO BOX 11 KNIGHTSEN, CA 94548 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $182 | $293 | 2.58% |
| MARY KOCH3 | 1012 EMMA ROSE BLVD BRENTWOOD, CA 94513 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.67% |
| KIRK STODDARD3 | 1631 WILLOW ST #225 SAN JOSE, CA 95125 | DELTA DENTAL OF CA | $593 | — | $593 | 10.00% |
| STODDARD, KIRK D3 | STE 225 1631 WILLOW ST SAN JOSE, CA 95125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $362 | — | $362 | 20.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE ADMINIS | 721 S PARKER ST STE 300 ORANGE, CA 92868 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $81 | $65 | $146 | 8.28% |
| DANIEL J BAZIS3 | 5085 QUINN DRIVE VACAVILLE, CA 95688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $51 | $76 | 46.34% |
| KIRK STODDARD3 Filed as: KIRK DICKEY STODDARD | 1631 WILLOW ST SAN JOSE, CA 95125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 15.24% |
| CASEY JAMES KUGLER3 | 336 PACIFICA DRIVE BRENTWOOD, CA 94513 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $16 | $21 | 12.80% |
| BRIAN ROBERT LLOYD3 | PO BOX 11 KNIGHTSEN, CA 94548 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $8 | $12 | 7.32% |
| SCOTT THOMAS EUGENE STODDARD3 | 1631 WILLOW STREER SAN JOSE, CA 95125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 4.88% |
| STEPHANIE NOELLE KUGLER3 | 336 PACIFICA DRIVE BRENTWOOD, CA 94513 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $2 | $7 | 4.27% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CAL CHOICE | 238 | $2.0M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 285 | $153K |
| Vision(2 contracts) | CAL CHOICE | 238 | $2.0M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83 | $30K |
| Short-term disability(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 21 | $12K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.