| 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 | $48K | $48K | 5.26% |
| CLAREMONT BUSINESS GROUP3 Filed as: CLAREMONT BUSINESS GROUP INC | 1000 BURNETT AVENUE, SUITE 440 CONCORD, CA 94520 | CALIFORNIA PHYSICIANS SERVICE | $0 | $19K | $19K | 2.11% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $33K | $671 | $34K | 5.11% |
| 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 | $13K | $7K | $19K | 16.58% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.36% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | AFLAC | $387 | $0 | $387 | 15.78% |
| JOY E GUNDERSON3 Filed as: JOY GUNDERSON | 2824 SAINT ANDREWS ROAD FAIRFIELD, CA 94534 | AFLAC | $246 | $0 | $246 | 10.03% |
| ELISE WILLIAMS3 | 326 SCARLET OAK COURT PLEASANT HILL, CA 94523 | AFLAC | $237 | $0 | $237 | 9.67% |
| CHRIS KELLY3 | 252 WIKIUP MEADOWS DRIVE SANTA ROSA, CA 95403 | AFLAC | $97 | $0 | $97 | 3.96% |
| GARY K. ANDERSON3 Filed as: GARY ANDERSON | 72 MONTE VISTA ROAD FAIRFAX, CA 94930 | AFLAC | $39 | $0 | $39 | 1.59% |
| BALTOR INSURANCE SERVICES3 | 533 AIRPORT BOULEVARD, SUITE 400 BURLINGAME, CA 94010 | AFLAC | $21 | $0 | $21 | 0.86% |
| CHRIS BRANSON3 | PO BOX 930 MAKAWAO, HI 96768 | AFLAC | $9 | $0 | $9 | 0.37% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 106 | $1.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 209 | $177K |
| Vision | VISION SERVICE PLAN | 104 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $117K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $117K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $117K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 106 | $1.6M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.