| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIERRA BENEFIT SOLUTIONS3 Filed as: SIERRA BENEFITS SOLUTIONS | PO BOX 457 PILOT HILL, CA 95664 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.00% |
| ROGERS BENEFIT GROUP INC3 | 6540 LONETREE BOULEVARD, SUITE 100 ROCKLIN, CA 95765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.75% |
| SIERRA BENEFIT SOLUTIONS3 Filed as: SIERRA BENEFITS SOLUTIONS INS. SVCS | 5551 MEADOW CROFT LANE PILOT HILL, CA 95664 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.02% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 22.56% |
| SIERRA BENEFIT SOLUTIONS3 Filed as: SIERRA BENEFITS SOLUTIONS | PO BOX 457 PILOT HILL, CA 95664 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 9.54% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $511 | $682 | 3.51% |
| BRIAN ROBERT LLOYD3 | 5187 BRENTFORD WAY EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $447 | $619 | 3.18% |
| STEPHANIE NOELLE KUGLER3 | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $401 | $191 | $592 | 3.04% |
| ONE SOURCE ADVISORS, LLC AND AGENTS3 Filed as: ONE SOURCE ADVISORS & OTHER AGENTS | 1151 SOUZA WAY FOLSOM, CA 95630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $7 | $106 | 0.54% |
| JOSEPHINE EBALO BACCAY3 | 3812 AETNA SPRINGS WAY SACRAMENTO, CA 95834 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.03% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVERED CALIFORNIA HEALTH BENEFIT EXCHANGE | 193 | $0 |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $174K |
| Vision | VISION SERVICE PLAN | 139 | $24K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $174K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $174K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $174K |
| Prescription drug | COVERED CALIFORNIA HEALTH BENEFIT EXCHANGE | 193 | $0 |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.