| 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 | $49K | $49K | 5.33% |
| CLAREMONT BUSINESS GROUP3 Filed as: CLAREMONT BUSINESS GROUP, INC | 1000 BURNETT AVENUE, SUITE 330 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. | $36K | $0 | $36K | 5.32% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | DELTA DENTAL OF CALIFORNIA | $8K | — | $8K | 4.99% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $5K | $16K | 15.11% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.42% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | AFLAC | $127 | $0 | $127 | 9.91% |
| JOY E GUNDERSON3 Filed as: JOY GUNDERSON | 2824 SAINT ANDREWS ROAD FAIRFIELD, CA 94534 | AFLAC | $93 | $0 | $93 | 7.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: MATTHEW BROWN AND VARIOUS AGENTS | 490 43RD STREET, UNIT 1009 OAKLAND, CA 94609 | AFLAC | $40 | $0 | $40 | 3.12% |
| GARY K. ANDERSON3 Filed as: GARY ANDERSON | 72 MONTE VISTA ROAD FAIRFAX, CA 94930 | AFLAC | $39 | $0 | $39 | 3.04% |
| ELISE WILLIAMS3 | 326 SCARLET OAK COURT PLEASANT HILL, CA 94523 | AFLAC | $34 | $0 | $34 | 2.65% |
| ELENA MARIA MESEN3 Filed as: ELENA MESEN | 2290 EL MONTE DRIVE OAKLEY, CA 94561 | AFLAC | $31 | $0 | $31 | 2.42% |
| BALTOR INSURANCE SERVICES3 | 533 AIRPORT BOULEVARD, SUITE 400 BURLINGAME, CA 94010 | AFLAC | $21 | $0 | $21 | 1.64% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 104 | $1.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 199 | $159K |
| Vision | VISION SERVICE PLAN | 98 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $107K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $107K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $107K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 104 | $1.6M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.