| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE SAN JOSE, CA 95123 | BLUE CROSS BLUE SHIELD | $58K | $0 | $58K | 3.94% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC. | $37K | $2K | $39K | 4.15% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | KAISER FOUNDATION HEALTH PLAN INC. | $0 | $2K | $2K | 0.20% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $9K | 4.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE SUITE 100 SAN MATEO, CA 94403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $982 | $20K | 15.45% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE SUITE 100 SAN MATEO, CA 94403 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.76% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $637 | $0 | $637 | 3.46% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTHPLAN OF THE NORTHWEST | $343 | $0 | $343 | 3.69% |
| AARON GROVE4 | 9489 DUNKERRIN WAY ELK GROVE, CA 95758 | LEGAL SHIELD | $286 | $0 | $286 | 14.61% |
| ABD INS. AND FINANCIAL SVCS., INC.4 | 3 WATERS PARK DRIVE SAN MATEO, CA 94403 | LEGAL SHIELD | $36 | $0 | $36 | 1.84% |
| KWAME ANKU4 | 2121 NATOMAS CROSSINGS DRIVE SUITE 200 PMB 272 SACRAMENTO, CA 95834 | LEGAL SHIELD | $26 | $0 | $26 | 1.33% |
| USI INSURANCE SERVICES LLC4 Filed as: USI INSURANCE SERVICES, LLC | 10940 WHITE ROCK ROAD 2ND FLOOR RANCHO CORDOVA, CA 95670 | LEGAL SHIELD | $26 | $0 | $26 | 1.33% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY & BARNEY | PO BOX 85638 SAN DIEGO, CA 92186 | LEGAL SHIELD | $10 | $0 | $10 | 0.51% |
| HAL FARESH4 | PO BOX 818 LOOMIS, CA 95650 | LEGAL SHIELD | $7 | $0 | $7 | 0.36% |
| CAHRLES L. OWNBEY4 | 500 WESTOVER DRIVE PMB 8979 SANFORD, NC 27330 | LEGAL SHIELD | $5 | $0 | $5 | 0.26% |
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 | 1,172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | BLUE CROSS BLUE SHIELD | 1,386 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,388 | $226K |
| Vision | VISION SERVICE PLAN | 685 | $29K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,169 | $131K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,169 | $131K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,169 | $131K |
| Prescription drug(7 contracts, 7 carriers) | BLUE CROSS BLUE SHIELD | 1,386 | $2.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,169 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,388 | — |
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.