| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE, SUITE 100 SAN JOSE, CA 95123 | CALIFORNIA PHYSICIANS SERVICE | — | $10K | $10K | 0.06% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 1.25% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS. AND FINANCIAL SERVICES | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE | $16K | — | $16K | 43.11% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $713 | — | $713 | 15.01% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS. AND FINANCIAL SERVICES | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53 | — | $53 | 15.14% |
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 | 3,949 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 364 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 4,082 | $15.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 3,892 | $1.3M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,085 | $261K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,886 | $608K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,886 | $588K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,886 | $588K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 4,082 | $15.5M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,949 | $686K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,082 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.