| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP DESIGN PROFESSIONALS INSURANCE3 | SERVICES, LLC 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 945493745 | KAISER FOUNDATION HEALTH PLAN INC | $34K | — | $34K | 3.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | PO BOX 6030 PASADENA, CA 911026030 | KAISER FOUNDATION HEALTH PLAN INC | — | $1K | $1K | 0.13% |
| AP DESIGN PROFESSIONALS INSURANCE3 Filed as: AP DESIGN PROFESSIONALS INSURA | 3697 MT. DIABLO BLVD SUITE 230 LAFAYETTE, CA 945493745 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DRIVE SUITE #400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN, INSURANCE ADMINI | 721 S. PARKER #300 ORANGE, CA 92868 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.12% |
| PACIFIC ADVISORS LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35 | — | $35 | 0.03% |
| AP DESIGN PROFESSIONALS INSURANCE S3 | 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 94549 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $125 | $3K | 6.48% |
| BRITTANY LLOYD3 | PO BOX 4942 EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $915 | $3K | 5.12% |
| DEALEY RENTON & ASSOCIATES3 | 3697 MT DIABLO BLVD LAFAYETTE, CA 94549 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.04% |
| CASEY JAMES KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $778 | $1K | $2K | 3.78% |
| DEBORAH LYNN WELLS3 | 5809 MARK TWAIN AVE SACRAMENTO, CA 95820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $257 | $2K | 3.69% |
| BRIAN ROBERT LLOYD3 | 3053 COPPERWOOD WAY EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $569 | $909 | $1K | 2.81% |
| STEPHANIE NOELLE KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $929 | $327 | $1K | 2.39% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $577 | $65 | $642 | 1.22% |
| SALVADOR HEREDIA3 | 700 EL CAMINITO LIVERMORE, CA 94550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $479 | $12 | $491 | 0.94% |
| PAMELA KAY LONG3 | 200 S. LEXINGTON DRIVE FOLSOM, CA 95630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $304 | $23 | $327 | 0.62% |
| AP DESIGN PROFESSIONALS INSURANCE S3 | 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 94549 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $84 | $2K | 8.66% |
| BRITTANY LLOYD3 | PO BOX 4942 EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $529 | $2K | 5.98% |
| DEBORAH LYNN WELLS3 | 5809 MARK TWAIN AVE SACRAMENTO, CA 95820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $193 | $1K | 5.69% |
| CASEY JAMES KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $448 | $709 | $1K | 4.52% |
| DEALEY RENTON & ASSOCIATES3 | 3697 MT DIABLO BLVD LAFAYETTE, CA 94549 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.43% |
| BRIAN ROBERT LLOYD3 | 3053 COPPERWOOD WAY EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $525 | $851 | 3.33% |
| STEPHANIE NOELLE KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $554 | $204 | $758 | 2.96% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $501 | $58 | $559 | 2.18% |
| PAMELA KAY LONG3 | 200 S. LEXINGTON DRIVE FOLSOM, CA 95630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $6 | $84 | 0.33% |
| AP DESIGN PROFESSIONALS INSURANCE3 Filed as: AP DESIGN PROFESSIONALS INS SVCS | 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 94549 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $979 | — | $979 | 6.58% |
| DEALEY RENTON & ASSOCIATES3 Filed as: DEALEY RENTON & ASSOC INS | BROKERS PO BOX 12675 OAKLAND, CA 94604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $509 | $402 | $911 | 6.12% |
| DEALEY RENTON & ASSOCIATES3 | INSURANCE BROKERS 3697 MOUNT DIABLO BLVD., SUITE 230 LAFAYETTE, CA 94549 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $542 | — | $542 | 9.21% |
| AP DESIGN PROFESSIONALS INSURANCE S3 | 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 94549 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $5 | $204 | 4.46% |
| BRITTANY LLOYD3 | PO BOX 4942 EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $38 | $164 | 3.58% |
| DEALEY RENTON & ASSOCIATES3 | 3697 MT DIABLO BLVD LAFAYETTE, CA 94549 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 2.51% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $9 | $101 | 2.21% |
| CASEY JAMES KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $51 | $101 | 2.21% |
| STEPHANIE NOELLE KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $14 | $76 | 1.66% |
| DEBORAH LYNN WELLS3 | 5809 MARK TWAIN AVE SACRAMENTO, CA 95820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $10 | $72 | 1.57% |
| BRIAN ROBERT LLOYD3 | 3053 COPPERWOOD WAY EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $32 | $58 | 1.27% |
| SALVADOR HEREDIA3 | 700 EL CAMINITO LIVERMORE, CA 94550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.46% |
| DEALEY RENTON & ASSOCIATES3 Filed as: DEALEY RENTON & ASSOC INS | BROKERS PO BOX 12675 OAKLAND, CA 94604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $128 | $134 | $262 | 7.18% |
| AP DESIGN PROFESSIONALS INSURANCE3 Filed as: AP DESIGN PROFESSIONALS INS SVCS | 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 94549 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $237 | — | $237 | 6.49% |
| AP DESIGN PROFESSIONALS INSURANCE S3 | 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 94549 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $3 | $69 | 18.11% |
| DEBORAH LYNN WELLS3 | 5809 MARK TWAIN AVE SACRAMENTO, CA 95820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $9 | $66 | 17.32% |
| BRITTANY LLOYD3 | PO BOX 4942 EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $21 | $49 | 12.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY INSURANCE BROKERS | PO BOX 6030 PASADENA, CA 91102 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 8.66% |
| CASEY JAMES KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $18 | $27 | 7.09% |
| BRIAN ROBERT LLOYD3 | 3053 COPPERWOOD WAY EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $16 | $25 | 6.56% |
| STEPHANIE NOELLE KUGLER3 | 906 HAWKS FEATHER LANE ROCKLIN, CA 95765 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $7 | $22 | 5.77% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 150 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 92 | $101K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 137 | $6K |
| Life insurance(5 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 99 | $87K |
| Short-term disability(4 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 42 | $83K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $15K |
| Other(5 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 99 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.