| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | CALIFORNIA PHYSICIANS SERVICE | $0 | $45K | $45K | 5.26% |
| CLAREMONT BUSINESS GROUP3 | 1000 BURNETT AVENUE, SUITE 400 CONCORD, CA 94520 | CALIFORNIA PHYSICIANS SERVICE | $16K | $832 | $17K | 1.94% |
| SINGLEPOINT INSURANCE SERVICES, INC3 | 5000 HOPYARD ROAD, SUITE 328 PLEASANTON, CA 94588 | CALIFORNIA PHYSICIANS SERVICE | $0 | -$329 | -$329 | -0.04% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $28K | $678 | $29K | 4.58% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | DELTA DENTAL OF CALIFORNIA | $9K | $0 | $9K | 5.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $6K | $18K | 16.24% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.39% |
| GARY K. ANDERSON3 | 72 MONTE VISTA ROAD FAIRFAX, CA 94930 | AFLAC | $39 | $0 | $39 | 6.16% |
| BALTOR INSURANCE SERVICES3 | 11 AIRPORT BOULEVARD, SUITE 105 SAN FRANCISCO, CA 94080 | AFLAC | $21 | $0 | $21 | 3.32% |
| MANA INSURANCE SOLUTIONS INC3 Filed as: MANA INSURANCE SOLUTIONS, INC. | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $6 | $0 | $6 | 0.95% |
| CHRIS BRANSON3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $4 | $0 | $4 | 0.63% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 128 | $1.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 240 | $188K |
| Vision | VISION SERVICE PLAN | 119 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $113K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $113K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $113K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 128 | $1.5M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.