| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSUR AND FINANCIAL SERV INC | 5448 THORNWOOD DR SAN JOSE, CA 95123 | CALIFORNIA PHYSICIANS SERVICE | $2K | $13K | $15K | 0.08% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVS INC | 3 WATERS PARK DR #100 SAN MATEO, CA 94403 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $5K | $5K | 1.40% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVS INC | 3 WATERS PARK DR #100 SAN MATEO, CA 94403 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $9K | $6K | $15K | 5.54% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVS INC | 3 WATERS PARK DR #100 SAN MATEO, CA 94403 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $13K | $13K | 4.69% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVS INC | 3 WATERS PARK DR #100 SAN MATEO, CA 94403 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $13K | $13K | 6.80% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVS INC | 3 WATERS PARK DR #100 SAN MATEO, CA 94403 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 2.16% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVS INC | 3 WATERS PARK DRIVE SUITE 100 SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 30.31% |
| CAROL ANN DALESSANDRO3 | 300 MT. LEBANON BLVD STE 311 PITTSBURG, PA 15234 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVS INC | 3 WATERS PARK DRIVE SUITE 100 SAN MATEO, CA 94403 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVS INC | 3 WATERS PARK DR SUITE 100 SAN MATEO, CA 94403 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $713 | — | $713 | 15.01% |
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 | 4,493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 4,585 | $19.6M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 4,379 | $1.8M |
| Vision | HAWAII MEDICAL SERVICE ASSOCIATION | 5 | $21K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,352 | $288K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,555 | $339K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,352 | $184K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 4,585 | $19.5M |
| Other(4 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,493 | $455K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,585 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.