| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUREKA INSURANCE SOLUTIONS3 | — | KAISER PERMANENTE | $39K | — | $39K | 3.36% |
| 28 INSURANCE AGENCY3 | — | KAISER PERMANENTE | $19K | — | $19K | 1.64% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS LLC | — | KAISER PERMANENTE | $14K | — | $14K | 1.19% |
| EUREKA INSURANCE SOLUTIONS3 | — | SUTTER HEALTH PLAN | $21K | — | $21K | 3.31% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS LLC | — | SUTTER HEALTH PLAN | $16K | — | $16K | 2.50% |
| 28 INSURANCE AGENCY3 | — | SUTTER HEALTH PLAN | $11K | — | $11K | 1.69% |
| EUREKA INSURANCE SOLUTIONS3 | — | WESTERN HEALTH ADVANTAGE | $11K | — | $11K | 3.31% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS LLC | — | WESTERN HEALTH ADVANTAGE | $8K | — | $8K | 2.50% |
| 28 INSURANCE AGENCY3 | — | WESTERN HEALTH ADVANTAGE | $6K | — | $6K | 1.69% |
| CLIFFORD BENEFITS GROUP3 | — | DELTA DENTAL OF CALIFORNIA | $11K | — | $11K | 6.60% |
| 28 INSURANCE AGENCY3 | — | DELTA DENTAL OF CALIFORNIA | $7K | — | $7K | 4.24% |
| CLIFFORD BENEFITS GROUP3 | 4465 GRANITE DRIVE ROCKLIN, CA 95677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 11.66% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DR EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $5K | $10K | 9.94% |
| BRIAN ROBERT LLOYD3 | 6234 KINGS PEAK DR EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 3.31% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES L | 2677 N MAIN ST SANTA ANA, CA 92705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $204 | $3K | 2.71% |
| STEPHANIE NOELLE KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $673 | $2K | 2.28% |
| 28 INSURANCE AGENCY3 | PO BOX 696 KINGSBURG, CA 93631 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.29% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $288 | $1K | 1.26% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $1K | $1K | 1.06% |
| JOEY DENESSA ESCANUELAS3 | 4556 35TH ST 1 2 SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $796 | — | $796 | 0.77% |
| DEANNA RADDIGAN3 | 7697 ROSEHALL DR ROSEVILLE, CA 95678 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | $19 | $152 | 0.15% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $108 | $15 | $123 | 0.12% |
| SAMAR BREIK ALBIN3 | 41572 VALOR DR MURRIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $12 | $113 | 0.11% |
| SALVADOR HEREDIA3 | 700 EL CAMINITO LIVERMORE, CA 94550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $20 | $107 | 0.10% |
| J&H FINANCIAL AND INSURANCE SVC LLC3 | 22948 VIA CEREZA UNIT 4E MISSION VIEJO, CA 92691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $7 | $98 | 0.09% |
| MICHAEL F FAHEY III3 | 103 PALM DR SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $16 | $42 | 0.04% |
| JENNIFER AURORA RAMIREZ3 | 4120 WHITTIER ST SAN DIEGO, CA 92107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $2 | $28 | 0.03% |
| PAMELA KAY LONG3 | 200 S LEXINGTON DR APT 615 FOLSOM, CA 95630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $1 | $19 | 0.02% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DR SE OLYMPIA, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.01% |
| ZACHAREE KEITH SIAHPUSH3 | 33 SE 71ST AVE. PORTLAND, OR 97215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.01% |
| EUREKA INSURANCE SOLUTIONS3 | — | ANTHEM BLUE CROSS | $3K | — | $3K | 3.05% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS LLC | — | ANTHEM BLUE CROSS | $2K | — | $2K | 2.50% |
| 28 INSURANCE AGENCY3 | — | ANTHEM BLUE CROSS | $2K | — | $2K | 1.95% |
| CLIFFORD BENEFITS GROUP3 | 4465 GRANITE DRIVE ROCKLIN, CA 95677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 12.17% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DR EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 11.31% |
| BRIAN ROBERT LLOYD3 | 6234 KINGS PEAK DR EL DORADO HILL, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $410 | $1K | $1K | 4.18% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES L | 2677 N MAIN ST SANTA ANA, CA 92705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $943 | $85 | $1K | 2.92% |
| STEPHANIE NOELLE KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $668 | $294 | $962 | 2.73% |
| 28 INSURANCE AGENCY3 | PO BOX 696 KINGSBURG, CA 93631 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $688 | — | $688 | 1.95% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $481 | $511 | 1.45% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | $82 | $400 | 1.14% |
| DEANNA RADDIGAN3 | 7697 ROSEHALL DR ROSEVILLE, CA 95678 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | $37 | $297 | 0.84% |
| SALVADOR HEREDIA3 | 700 EL CAMINITO LIVERMORE, CA 94550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | $41 | $221 | 0.63% |
| JOEY DENESSA ESCANUELAS3 | 4556 35TH ST 1 2 SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 0.39% |
| SAMAR BREIK ALBIN3 | 41572 VALOR DR MURRIETA, CA 92562 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $7 | $67 | 0.19% |
| MEGAN ELIZABETH CASTO3 | 10340 CARNEY DR SE OLYMPIA, WA 98501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $4 | $15 | 0.04% |
| ZACHAREE KEITH SIAHPUSH3 | 33 SE 71ST AVE PORTLAND, OR 97215 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $2 | $13 | 0.04% |
| MICHAEL F FAHEY III3 | 103 PALM DR SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 0.02% |
| JENNIFER AURORA RAMIREZ3 | 4120 WHITTIER ST SAN DIEGO, CA 92107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| CLIFFORD BENEFITS GROUP3 | 4465 GRANITE DRIVE ROCKLIN, CA 95677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 14.66% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DR EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 11.68% |
| BRIAN ROBERT LLOYD3 | 6234 KINGS PEAK DR EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $432 | $1K | $2K | 5.20% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $358 | $2K | 4.89% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES L | 2677 N MAIN ST SANTA ANA, CA 92705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $888 | $91 | $979 | 3.16% |
| STEPHANIE NOELLE KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $652 | $309 | $961 | 3.11% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | $488 | $518 | 1.67% |
| 28 INSURANCE AGENCY3 | PO BOX 696 KINGSBURG, CA 93631 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $377 | — | $377 | 1.22% |
| J&H FINANCIAL AND INSURANCE SVC LLC3 | 22948 VIA CEREZA UNIT 4E MISSION VIEJO, CA 92691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $7 | $95 | 0.31% |
| JOEY DENESSA ESCANUELAS3 | 4556 35TH ST 1 2 SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | — | $59 | 0.19% |
| PAMELA KAY LONG3 | 200 S LEXINGTON DR APT 615 FOLSOM, CA 95630 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $2 | $53 | 0.17% |
| VICTOR ROBERT ROLLO3 | PO BOX 879 CARLSBAD, CA 92018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $2 | $52 | 0.17% |
| DEANNA RADDIGAN3 | 7697 ROSEHALL DR ROSEVILLE, CA 95678 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $2 | $17 | 0.05% |
| MICHAEL C WALKER3 Filed as: MICHAEL J MINNEY | PO BOX 365 POWAY, CA 92074 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| MICHAEL F FAHEY III3 | 103 PALM DR SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| JENNIFER AURORA RAMIREZ3 | 4120 WHITTIER ST SAN DIEGO, CA 92107 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| STACEY LYNN DETRICK3 | 1796 GREYWOOD CIR ROSEVILE, CA 95747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CLIFFORD BENEFITS GROUP3 | 4465 GRANITE DR STE 1024 ROCKLIN, CA 956772143 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.67% |
| 28 INSURANCE AGENCY3 | PO BOX 696 KINGSBURG, CA 936310696 | PRINCIPAL LIFE INSURANCE COMPANY | $936 | — | $936 | 3.34% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES, | LLC ATTN VIVIAN LEUS 2677 N MAIN ST STE 800 SANTA ANA, CA 927056687 | PRINCIPAL LIFE INSURANCE COMPANY | — | $933 | $933 | 3.33% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES, | LLC ATTN VIVIAN LEUS 2677 N MAIN ST STE 800 SANTA ANA, CA 927056687 | PRINCIPAL LIFE INSURANCE COMPANY | — | $690 | $690 | 2.46% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DR EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $417 | $524 | $941 | 45.48% |
| CLIFFORD BENEFITS GROUP3 | 4465 GRANITE DRIVE ROCKLIN, CA 95677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $502 | — | $502 | 24.26% |
| BRIAN ROBERT LLOYD3 | 6234 KINGS PEAK DR EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $191 | $251 | 12.13% |
| STEPHANIE NOELLE KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $48 | $126 | 6.09% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES L | 2677 N MAIN ST SANTA ANA, CA 92705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $14 | $96 | 4.64% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $75 | $80 | 3.87% |
| 28 INSURANCE AGENCY3 | PO BOX 696 KINGSBURG, CA 93631 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 3.33% |
| CLIFFORD BENEFITS GROUP3 | 4465 GRANITE DRIVE ROCKLIN, CA 95677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | — | $226 | 13.00% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DR EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $43 | $94 | 5.41% |
| BRIAN ROBERT LLOYD3 | 6234 KINGS PEAK DR EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $16 | $23 | 1.32% |
| STEPHANIE NOELLE KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $5 | $22 | 1.27% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES L | 2677 N MAIN ST SANTA ANA, CA 92705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $2 | $22 | 1.27% |
| 28 INSURANCE AGENCY3 | PO BOX 696 KINGSBURG, CA 93631 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 1.04% |
| JOEY DENESSA ESCANUELAS3 | 4556 35TH ST 1 2 SAN DIEGO, CA 92116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.86% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIR ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $7 | $7 | 0.40% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.40% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER PERMANENTE | 83 | $2.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 370 | $165K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 318 | $28K |
| Life insurance(5 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 73 | $174K |
| Short-term disability(5 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 73 | $174K |
| Other(5 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 73 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.
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.