| 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 | $488K | $0 | $488K | 5.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | SUN LIFE ASSURANCE COMPANY OF CANADA | $154K | $25K | $180K | 11.55% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $26K | $618 | $26K | 3.85% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.51% |
| WILLIAM JUDGE JR3 Filed as: WILLIAM JUDGE | 1101 VOLUNTEER PARKWAY SUITE 5-259 BRISTOL, TN 37620 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56K | $0 | $56K | 74.87% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 17.78% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $3K | $0 | $3K | 4.33% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $2K | $0 | $2K | 3.10% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 19.73% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 3.77% |
| A & AG CONSULTANTS4 | 335 CALLE DEL REY MORGAN HILL, CA 95037 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $789 | $0 | $789 | 6.26% |
| MARY BLASER4 | 4731 BORDWELL DRIVE SAN JOSE, CA 95118 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $334 | $0 | $334 | 2.65% |
| MAKA SIHU A NATIVE AMERICAN ENT.4 | 8020 DREYFUS WAY ELK GROVE, CA 95758 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $268 | $0 | $268 | 2.13% |
| ABD INS. AND FINANCIAL SVCS., INC.4 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $117 | $0 | $117 | 0.93% |
| KWAME ANKU4 | 2121 NATOMAS CROSSINGS DRIVE SUITE 200 SACRAMENTO, CA 95834 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | $0 | $31 | 0.25% |
| USI INSURANCE SERVICES LLC4 | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $27 | $0 | $27 | 0.21% |
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 | 1,236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,233 | $10.6M |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,156 | $1.6M |
| Vision | VISION SERVICE PLAN | 631 | $104K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,156 | $1.6M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,156 | $1.6M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,156 | $1.6M |
| Prescription drug(7 contracts, 7 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,233 | $10.6M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,156 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,233 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.