| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIRK STODDARD3 | — | CALIFORNIACHOICE | $109K | — | $109K | 5.13% |
| KIRK STODDARD3 Filed as: KIRK STODDARD AGENCY | — | DELTA DENTAL OF CALIFORNIA | $14K | — | $14K | 10.00% |
| KIRK STODDARD3 | — | CALIFORNIACHOICE | $2K | — | $2K | 5.17% |
| KIRK STODDARD3 Filed as: KIRK DICKEY STODDARD | 1631 WILLOW ST SAN JOSE, CA 95125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 19.14% |
| DANIEL J BAZIS3 | 9218 SOUTH 168TH AVE CIRCLE OMAHA, NE 68136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 11.02% |
| CASEY JAMES KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $472 | $1K | $1K | 3.93% |
| SCOTT THOMAS EUGENE STODDARD3 | 1631 WILLOW STREET SAN JOSE, CA 95125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $994 | — | $994 | 2.63% |
| STEPHANIE NOELLE KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $692 | $302 | $994 | 2.63% |
| BRIAN ROBERT LLOYD3 | PO BOX 11 KNIGHTSEN, CA 94548 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | $325 | $586 | 1.55% |
| MARY KOCH3 | 117 WOLF RIVER CT ROSEVILLE, CA 95661 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.10% |
| KIRK D STODDARD3 | 5237 BARRON PARK DR SAN JOSE, CA 95136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.86% |
| 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 | $937 | — | $937 | 4.62% |
| KIRK STODDARD3 Filed as: KIRK STODDARD AGENCY | — | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 10.00% |
| KIRK STODDARD3 | 1631 WILLOW ST #225 SAN JOSE, CA 95125 | DELTA DENTAL OF CA | $313 | — | $313 | 10.01% |
| KIRK D STODDARD3 | 5237 BARRON PARK DR SAN JOSE, CA 95136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $147 | — | $147 | 10.03% |
| 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 | $73 | — | $73 | 4.98% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 8 | $41K |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 185 | $155K |
| Vision | CALIFORNIACHOICE | 126 | $2.1M |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 57 | $60K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 42 | $38K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 57 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.