| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE SERVICES | — | KAISER PERMANENTE | $78K | — | $78K | 5.00% |
| CLAREMONT BUSINESS GROUP3 Filed as: CLAREMONT INSURANCE COMPANY | — | KAISER PERMANENTE | $41K | — | $41K | 2.66% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE SERVICES | — | ANTHEM BLUE CROSS | $23K | — | $23K | 5.00% |
| CLAREMONT BUSINESS GROUP3 Filed as: CLAREMONT INSURANCE COMPANY | — | ANTHEM BLUE CROSS | $12K | — | $12K | 2.66% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE SERVICES | — | SUTTER HEALTH PLUS | $13K | — | $13K | 5.00% |
| CLAREMONT BUSINESS GROUP3 Filed as: CLAREMONT INSURANCE COMPANY | — | SUTTER HEALTH PLUS | $7K | — | $7K | 2.66% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE SERVICES, INC. | 1212 BROADWAY PLZ STE 2100 WALNUT CREEK, CA 94596 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE SERVICES | — | HEALTH NET | $4K | — | $4K | 5.00% |
| CLAREMONT BUSINESS GROUP3 Filed as: CLAREMONT INSURANCE COMPANY | — | HEALTH NET | $2K | — | $2K | 2.66% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE SERVICES, INC. | 1212 BROADWAY PLZ STE 2100 WALNUT CREEK, CA 94596 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 18.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| DANIEL J BAZIS3 | 9218 S 168TH AVE CIR OMAHA, NE 68136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $6K | 16.77% |
| EVCO INSURANCE SERVICES INC3 | 1212 BROADWAY PLAZA WALNUT CREEK, CA 94596 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 11.08% |
| BRIAN ROBERT LLOYD3 | 6234 KINGS PEAK DR EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $559 | $1K | $2K | 5.73% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | $1K | $1K | 3.98% |
| STEPHANIE NOELLE KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $731 | $377 | $1K | 3.26% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DR EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $461 | $496 | $957 | 2.81% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $411 | $144 | $555 | 1.63% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE SERVICES, INC. | 1212 BROADWAY PLZ STE 2100 WALNUT CREEK, CA 94596 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| EVCO INSURANCE SERVICES INC3 Filed as: EVCO INSURANCE SERVICES, INC. | 1212 BROADWAY PLZ STE 2100 WALNUT CREEK, CA 94596 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $629 | — | $629 | 12.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DR STE 204 SHELTON, CT 06484 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $262 | $262 | 5.00% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER PERMANENTE | 102 | $2.4M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $128K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $26K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 262 | $44K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 45 | $34K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 262 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.