| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE SAN JOSE, CA 95123 | UNITEDHEALTHCARE INSURANCE COMPANY | $329K | $0 | $329K | 5.23% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $14K | $14K | 0.22% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | SUN LIFE ASSURANCE COMPANY OF CANADA | $106K | $8K | $114K | 8.96% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $25K | $1K | $26K | 4.19% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.89% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | $0 | $2K | 4.20% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 19.90% |
| AARON GROVE4 | 8020 DREYFUS WAY ELK GROVE, CA 95758 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 9.83% |
| ABD INS. AND FINANCIAL SVCS., INC.4 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $250 | $0 | $250 | 1.93% |
| LAURA A. MARLEY4 | 146 PRESIDIO AVENUE HALF MOON BAY, CA 94019 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $78 | $0 | $78 | 0.60% |
| KWAME ANKU4 | 2121 NATOMAS CROSSINGS DRIVE SUITE 200 SACRAMENTO, CA 95834 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $65 | $0 | $65 | 0.50% |
| USI INSURANCE SERVICES LLC4 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $50 | $0 | $50 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: BARNEY & BARNEY | PO BOX 85638 SAN DIEGO, CA 92186 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $25 | $0 | $25 | 0.19% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $199 | $0 | $199 | 2.29% |
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 | 1,063 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,075 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,070 | $7.0M |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,218 | $1.3M |
| Vision | VISION SERVICE PLAN | 619 | $98K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,218 | $1.3M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,218 | $1.3M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,218 | $1.3M |
| Prescription drug(7 contracts, 7 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,070 | $7.0M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,218 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,218 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.