| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 750 THE CITY DRIVE, SUITE 450 ORANGE, CA 92868 | CALIFORNIA PHYSICIANS SERVICE | $0 | $67K | $67K | 3.69% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CALIFORNIA PHYSICIANS SERVICE | $0 | $57K | $57K | 3.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INS. ADMINS, INC. | 721 SOUTH PARKER STREET, 8TH FLOOR ORANGE, CA 92868 | CALIFORNIA PHYSICIANS SERVICE | $38K | $0 | $38K | 2.11% |
| HEALTH MANAGEMENT OPTIONS, INC.3 | 2401A WATERMAN BOULEVARD SUITE 4-133 FAIRFIELD, CA 94534 | CALIFORNIA PHYSICIANS SERVICE | $0 | $20K | $20K | 1.08% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN, INC. | $35K | $0 | $35K | 2.66% |
| HEALTH MANAGEMENT OPTIONS, INC.3 Filed as: HEALTH MANAGEMENT OPTION | 2401A WATERMAN BOULEVARD SUITE 4-133 FAIRFIELD, CA 94534 | KAISER FOUNDATION HEALTH PLAN, INC. | $11K | $0 | $11K | 0.86% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 600 HAMPSHIRE ROAD, SUITE 210 WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN, INC. | $11K | $0 | $11K | 0.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INS. ADMINS, INC. | 721 SOUTH PARKER STREET, SUITE 200 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | $0 | $6K | 0.43% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | HUMANA INSURANCE COMPANY | $23K | $0 | $23K | 5.93% |
| HEALTH MANAGEMENT OPTIONS, INC.3 | 2401A WATERMAN BOULEVARD SUITE 4-133 FAIRFIELD, CA 94534 | HUMANA INSURANCE COMPANY | $7K | $0 | $7K | 1.87% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 600 HAMPSHIRE ROAD, SUITE 210 WESTLAKE VILLAGE, CA 91361 | HUMANA INSURANCE COMPANY | $7K | $0 | $7K | 1.87% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $5K | $11K | 7.68% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $3K | $10K | 6.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC AND OTHERS | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $1K | $9K | 5.81% |
| HEALTH MANAGEMENT OPTIONS, INC.3 | 2401A WATERMAN BOULEVARD FAIRFIELD, CA 94534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $947 | $7K | 4.67% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 1540 CORNERSTONE BOULEVARD DAYTONA BEACH, FL 32117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $144 | $6K | 4.12% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $4K | $6K | 3.87% |
| BRIAN ROBERT LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $4K | $5K | 3.51% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 6.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC AND OTHERS | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $549 | $3K | 5.17% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $722 | $3K | 4.54% |
| HEALTH MANAGEMENT OPTIONS, INC.3 | 2401A WATERMAN BOULEVARD FAIRFIELD, CA 94534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $320 | $2K | 3.95% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 1540 CORNERSTONE BOULEVARD DAYTONA BEACH, FL 32117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $48 | $2K | 3.52% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $455 | $1K | $2K | 2.89% |
| BRIAN ROBERT LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $580 | $1K | $2K | 2.77% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $6K | 18.21% |
| BRIAN ROBERT LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $868 | $3K | $4K | 10.12% |
| HEALTH MANAGEMENT OPTIONS, INC.3 | 2401A WATERMAN BOULEVARD FAIRFIELD, CA 94534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $574 | $3K | 8.84% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $400 | $2K | $3K | 7.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC AND OTHERS | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $72 | $2K | 5.90% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $952 | $2K | 5.53% |
| STEPHANIE NOELLE KUGLER3 | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $773 | $2K | 5.38% |
| BRITTANY LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $400 | $371 | $771 | 17.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC AND OTHERS | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $399 | $160 | $559 | 12.58% |
| MARGARITA ALEJANDRA RAMIREZ3 | 1356 CALLE COLNETT SAN MARCOS, CA 92069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $396 | $149 | $545 | 12.27% |
| HEALTH MANAGEMENT OPTIONS, INC.3 | 2401A WATERMAN BOULEVARD FAIRFIELD, CA 94534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $399 | $88 | $487 | 10.96% |
| CASEY JAMES KUGLER3 | 21068 VALLEY CIRCLE ELKHORN, NE 68022 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $391 | $463 | 10.42% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS CORP. | 1540 CORNERSTONE BOULEVARD DAYTONA BEACH, FL 32117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $399 | $13 | $412 | 9.28% |
| BRIAN ROBERT LLOYD3 | 6234 KINGS PEAK DRIVE EL DORADO HILLS, CA 95762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $285 | $378 | 8.51% |
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 | 396 | 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) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 272 | $3.1M |
| Dental | HUMANA INSURANCE COMPANY | 386 | $380K |
| Vision | HUMANA INSURANCE COMPANY | 386 | $380K |
| Life insurance(5 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 386 | $630K |
| Short-term disability(4 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 103 | $250K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 272 | $3.1M |
| Other(5 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 386 | $630K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
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.