| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 500 BOYLSTON STREET, SUITE 300 BOSTON, MA 02116 | BLUE CROSS OF CALIFORNIA | $127K | — | $127K | 2.94% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE SAN JOSE, CA 95123 | BLUE CROSS OF CALIFORNIA | $47K | — | $47K | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 740659 LOS ANGELES, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $4K | $12K | 1.80% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $5K | $6K | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO 85638 SAN DIEGO, CA 92186 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 2.59% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 1.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9171 TOWNE CENTRE, SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | $11K | $45K | 15.05% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 740659 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $2K | — | $2K | 2.36% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | VISION SERVICE PLAN | $405 | — | $405 | 0.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $783 | — | $783 | 2.80% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $250 | — | $250 | 0.90% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY AND BARNEY, LLC | 1999 HARRISON STREET, SUITE 1230 OAKLAND, CA 94612 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $100 | $100 | 0.36% |
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 | 1,025 | 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) | 1,025 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 1,154 | $4.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,065 | $678K |
| Vision | VISION SERVICE PLAN | 590 | $81K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 296 | $296K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 296 | $296K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 296 | $296K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 1,154 | $4.8M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 296 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,065 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.