| 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 OF CALIFORNIA | $155K | $0 | $155K | 2.34% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | BLUE CROSS OF CALIFORNIA | $87K | $0 | $87K | 1.31% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $37K | $4K | $41K | 4.39% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $13K | $24K | 2.74% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $72K | $4K | $76K | 15.45% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.44% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTHPLAN OF THE NORTHWEST | $2K | $0 | $2K | 4.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $405 | $0 | $405 | 3.35% |
| AARON GROVE4 | 9489 DUNKERRIN WAY ELK GROVE, CA 95758 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 13.70% |
| ABD INS. AND FINANCIAL SVCS., INC.4 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $213 | $0 | $213 | 1.89% |
| KWAME ANKU4 | 2121 NATOMAS CROSSINGS DRIVE SUITE 200, PMB 722 SACRAMENTO, CA 95834 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $148 | $0 | $148 | 1.31% |
| USI INSURANCE SERVICES LLC4 Filed as: USI INSURANCE SERVICES NATIONAL | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $117 | $0 | $117 | 1.04% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY AND BARNEY | PO BOX 85638 SAN DIEGO, CA 92186 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | $0 | $31 | 0.28% |
| HAL FARESH4 | PO BOX 811 LOOMIS, CA 95650 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $24 | $0 | $24 | 0.21% |
| CHARLES L. OWNBEY4 | 500 WESTOVER DRIVE SANFORD, NC 27330 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $18 | $0 | $18 | 0.16% |
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 | 883 | 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) | 893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | BLUE CROSS OF CALIFORNIA | 1,302 | $7.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,113 | $861K |
| Vision | VISION SERVICE PLAN | 586 | $110K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,154 | $489K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,154 | $489K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,154 | $489K |
| Prescription drug(7 contracts, 7 carriers) | BLUE CROSS OF CALIFORNIA | 1,302 | $7.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,154 | $500K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,113 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.