| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | KAISER FOUNDATION HEALTH PLAN INC | $107K | $0 | $107K | 2.97% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | HEALTH NET | $133K | $0 | $133K | 3.75% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | HEALTH NET | $115K | $0 | $115K | 3.23% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BOULEVARD SUITE 400 WALNUT CREEK, CA 94596 | HARTFORD LIFE AND ACCIDENT | $16K | $0 | $16K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 3.55% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE AND ACCIDENT | $2K | $1K | $4K | 7.13% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, SUITE 600 SAN DIEGO, CA 92101 | COLONIAL LIFE AND ACCIDENT | $3K | $483 | $3K | 5.88% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE AND ACCIDENT | $1K | $545 | $2K | 3.23% |
| MJ INSURANCE3 Filed as: ACRIALPS LLC AND VARIOUS AGENTS | UNKNOWN GRAND RAPIDS, MI 49501 | COLONIAL LIFE AND ACCIDENT | $1K | $146 | $2K | 2.94% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE AND ACCIDENT | $322 | $751 | $1K | 1.95% |
| BRIAN ROBERT LLOYD3 | 5187 BRENTFORD WAY EL DORADO HILLS, CA 95762 | COLONIAL LIFE AND ACCIDENT | $316 | $635 | $951 | 1.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN AND ASSOCIATES | PO BOX 4328 TORRANCE, CA 90510 | COLONIAL LIFE AND ACCIDENT | $805 | $0 | $805 | 1.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | ARAG INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, SUITE 600 SAN DIEGO, CA 92101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 7.46% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 4.48% |
| STEPHANIE NOELLE KUGLER3 Filed as: STEPHANIE KUGLER AND OTHER AGENTS | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 1.49% |
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 | 733 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 39 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 523 | $7.2M |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 762 | $220K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 762 | $165K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 762 | $165K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 523 | $7.2M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 762 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 762 | — |
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.