| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | BLUE CROSS OF CALIFORNIA | $244K | $0 | $244K | 4.99% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $87K | $3K | $90K | 5.18% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | $10K | $42K | 6.49% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE SAN JOSE, CA 95123 | SUN LIFE ASSURANCE COMPANY OF CANADA | $541 | $0 | $541 | 0.08% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE SAN JOSE, CA 95123 | STANDARD INSURANCE COMPANY | $42K | $9K | $51K | 18.40% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE SAN JOSE, CA 95123 | UNION SECURITY INSURANCE COMPANY | $6K | $0 | $6K | 4.99% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.72% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $510 | $9K | 32.12% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | METLIFE LEGAL PLANS | $1K | $85 | $1K | 10.78% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE SAN JOSE, CA 95123 | UDC DENTAL OF CALIFORNIA, INC. | $114 | $0 | $114 | 5.00% |
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 | 605 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 798 | $6.6M |
| Dental(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 465 | $765K |
| Vision | VISION SERVICE PLAN | 478 | $90K |
| Life insurance | STANDARD INSURANCE COMPANY | 625 | $278K |
| Long-term disability | STANDARD INSURANCE COMPANY | 625 | $278K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 798 | $6.6M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 625 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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.