| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES, LLC | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $69K | $0 | $69K | 2.40% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $0 | $7K | 0.25% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INS SVCS, INC | 950 EAST BLANCO ROAD, SUITE 103 SALINAS, CA 93901 | KAISER FOUNDATION HEALTH PLAN INC | -$5K | $0 | -$5K | -0.19% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES, LLC | 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 Filed as: NEWFRONT INSURANCE SERVICES, LLC | 52 2ND STREET, FLOOR 18 SAN FRANCISCO, CA 94105 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 15.21% |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 388 | $2.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 461 | $173K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $70K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $70K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 388 | $2.9M |
| Other(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 388 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.