| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SERVICES | 3 WATERS PARK DRIVE SAN MATEO, CA 94403 | AETNA LIFE INSURANCE COMPANY | $128K | — | $128K | 2.13% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE COMPANY | $49K | — | $49K | 0.82% |
| LUMITY, INC.3 Filed as: LUMITY INSURANCE SERVICES INC | 28 EAST 3RD AVENUE SAN MATEO, CA 94401 | AETNA LIFE INSURANCE COMPANY | $45K | — | $45K | 0.74% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 777 MARINERS ISLAND BLVD, SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $42K | — | $42K | 3.07% |
| MERCER HEALTH AND BENEFITS, LLC3 | 155 N WACKER DRIVE, SUITE 1500 CHICAGO, IL 60606 | KAISER FOUNDATION HEALTH PLAN INC | $15K | — | $15K | 1.10% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 0.47% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 777 MARINERS ISLAND BLVD, SUITE 250 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $4K | — | $4K | 6.03% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | VISION SERVICE PLAN | $2K | — | $2K | 3.10% |
| LUMITY, INC.3 Filed as: LUMITY INSURANCE SERVICES INC | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | VISION SERVICE PLAN | $2K | — | $2K | 2.67% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | FOUR EVER LIFE INSURANCE CO | $6K | — | $6K | 15.00% |
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM INSURANCE COMPANIES INC. | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INSURANCE CO | — | $2K | $2K | 4.00% |
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 | 690 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 736 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,551 | $7.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,551 | $6.0M |
| Vision | VISION SERVICE PLAN | 394 | $66K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 392 | $304K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 392 | $304K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 392 | $304K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 392 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,551 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.