| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 3 WATERS PARK DRIVE SAN MATEO, CA 94403 | BLUE CROSS OF CALIFORNIA | $49K | — | $49K | 2.79% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | BLUE CROSS OF CALIFORNIA | $12K | — | $12K | 0.65% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 3 WATERS PARK DRIVE SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC. | $15K | $2K | $17K | 2.87% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 0.70% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 3 WATERS PARK DRIVE SAN MATEO, CA 94403 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.30% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.70% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 3 WATERS PARK DRIVE SAN MATEO, CA 94403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.66% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.34% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 3 WATERS PARK DRIVE SAN MATEO, CA 94403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.64% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $717 | — | $717 | 2.36% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 3 WATERS PARK DRIVE SAN MATEO, CA 94403 | VISION SERVICE PLAN | $1K | — | $1K | 4.01% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | VISION SERVICE PLAN | $210 | — | $210 | 0.72% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 3 WATERS PARK DRIVE SAN MATEO, CA 94403 | CONCERN EAP | $260 | — | $260 | 3.18% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | CONCERN EAP | $148 | — | $148 | 1.81% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 3 WATERS PARK DRIVE SAN MATEO, CA 94403 | STANDARD INSURANCE COMPANY | $168 | — | $168 | 2.30% |
| VERUS INSURANCE SERVICES, LLC3 | 6085 DOUGLAS BLVD., SUITE 400 GRANITE BAY, CA 95746 | STANDARD INSURANCE COMPANY | $51 | — | $51 | 0.70% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 3 WATERS PARK DRIVE SAN MATEO, CA 94403 | ACE AMERICAN INSURANCE COMPANY | $568 | — | $568 | 15.01% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 97 | $2.4M |
| Dental | STANDARD INSURANCE COMPANY | 135 | $202K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 135 | $37K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $88K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $26K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 97 | $2.4M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 441 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.