| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $51K | $15 | $51K | 5.39% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | SUTTER HEALTH PLAN | $39K | $0 | $39K | 5.00% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | DELTA DENTAL OF CALIFORNIA | $8K | $0 | $8K | 5.00% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12K | $0 | $12K | 9.22% |
| DANIEL J BAZIS3 Filed as: DANIEL J. BAZIS | 3190 OAK ROAD, APARTMENT 310 WALNUT CREEK, CA 94597 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 3.47% |
| BRIAN ROBERT LLOYD3 Filed as: BRIAN LLOYD AND VARIOUS BROKERS | 5187 BRENTFORD WAY EL DORADO HILLS, CA 95762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $3K | 2.44% |
| PAMELA KAY LONG3 | 200 SOUTH LEXINGTON DRIVE APARTMENT 615 FOLSOM, CA 95630 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $376 | $3K | 2.41% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.32% |
| STEPHANIE NOELLE KUGLER3 | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $533 | $2K | 1.91% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $807 | $2K | $2K | 1.81% |
| ANDREINI AND COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.80% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 138 | $1.7M |
| Dental | DELTA DENTAL OF CALIFORNIA | 362 | $160K |
| Vision | VISION SERVICE PLAN | 225 | $29K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 271 | $129K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 271 | $129K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 138 | $1.7M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 271 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.