| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SVCS INC | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | UNITEDHEALTHCARE INSURANCE COMPANY | $136K | $18K | $154K | 5.22% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS. AND FINANCIAL SVCS, INC | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC. | $26K | $3K | $28K | 5.69% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS. & FINANCIAL SVCS INC | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $9K | $2K | $11K | 11.22% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SVCS INC | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | $718 | $4K | 11.21% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FINANCIAL SVCS | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | VISION SERVICE PLAN | $2K | — | $2K | 4.39% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS. & FINANCIAL SVCS INC | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | $612 | $3K | 11.26% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SVCS INC | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | ARAG INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 464 | $3.4M |
| Vision | VISION SERVICE PLAN | 218 | $34K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 236 | $97K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 236 | $30K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 236 | $36K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 464 | $3.4M |
| Other(3 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 236 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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.