| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GABRIEL BENEFIT SERVICES, INC.3 | 1470 CIVIC COURT, SUITE 350 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN, INC. | $29K | $0 | $29K | 2.74% |
| NEW CITY EXECUTIVE INSURANCE SERVIC3 Filed as: NEW CITY EXECUTIVE INS. SVCS. LLC | 550 WEST B STREET, 4TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | $0 | $12K | 1.15% |
| HEALTH WISE INSURANCE AGENCY3 | 1470 CIVIC COURT, SUITE 350 CONCORD, CA 94520 | SUTTER HEALTH PLAN | $20K | $0 | $20K | 3.32% |
| NEW CITY EXECUTIVE INSURANCE SERVIC3 Filed as: NEW CITY EXECUTIVE INS. SVCS. LLC | 550 WEST B STREET, SUITE 400 SAN DIEGO, CA 92101 | SUTTER HEALTH PLAN | $10K | $0 | $10K | 1.68% |
| GABRIEL BENEFIT SERVICES, INC.3 | 1470 EXECUTIVE LANE, SUITE 350 CONCORD, CA 94520 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.75% |
| NEW CITY EXECUTIVE INSURANCE SERVIC3 Filed as: NEW CITY EXECUTIVE INS. SVCS. LLC | 550 WEST B STREET, SUITE 400 SAN DIEGO, CA 92101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.25% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 7.30% |
| IWASYK INSURANCE SERVICES, LLC3 Filed as: IWASYK INSURANCE SERVICES LLC | 4419 CORKWOOD COURT CONCORD, CA 94521 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $618 | $1K | $2K | 3.81% |
| STEPHANIE NOELLE KUGLER3 Filed as: STEPHANIE N. KUGLER & OTHER AGENTS | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $353 | $1K | 3.17% |
| GABRIEL BENEFIT SERVICES, INC.3 | 1470 CIVIC COURT CONCORD, CA 94520 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.11% |
| BRIAN ROBERT LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $708 | $350 | $1K | 2.45% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $273 | $761 | $1K | 2.40% |
| SALVADOR HEREDIA3 | 700 EL CAMINITO LIVERMORE, CA 94550 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $522 | $55 | $577 | 1.34% |
| GABRIEL BENEFIT SERVICES, INC.3 | 1470 EXECUTIVE LANE, SUITE 350 CONCORD, CA 94520 | VISION SERVICE PLAN | $1K | $0 | $1K | 6.74% |
| NEW CITY EXECUTIVE INSURANCE SERVIC3 Filed as: NEW CITY EXECUTIVE INS. SVCS. LLC | 550 WEST B STREET, SUITE 400 SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $658 | $0 | $658 | 3.33% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 141 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 178 | $123K |
| Vision | VISION SERVICE PLAN | 136 | $20K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 141 | $43K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 141 | $43K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 141 | $1.7M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 141 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.