| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FIN. SERVICES | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | UNITED HEALTHCARE INSURANCE COMPANY | $247K | $92K | $339K | 3.42% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED HEALTHCARE INSURANCE COMPANY | $262K | — | $262K | 2.64% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FIN. SERVICES | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | UNION SECURITY INSURANCE COMPANY | $23K | — | $23K | 2.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNION SECURITY INSURANCE COMPANY | $22K | — | $22K | 2.43% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FIN. SERVICES | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 2.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 1.13% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FIN. SERVICES | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | FIRST UNUM LIFE INSURANCE COMPANY | $19K | $953 | $20K | 8.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 282905494 | FIRST UNUM LIFE INSURANCE COMPANY | $17K | $1K | $18K | 7.48% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FIN. SERVICES | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 944031162 | VISION SERVICE PLAN | $2K | — | $2K | 1.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $1K | — | $1K | 0.72% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.51% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | ACE AMERICAN INSURANCE COMPANY | $3K | — | $3K | 20.00% |
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 | 1,007 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,385 | $10.0M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 964 | $934K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 939 | $200K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,007 | $900K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,007 | $661K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,007 | $661K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 2,385 | $9.9M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,007 | $915K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,385 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.