| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES, LLC | 55 2ND STREET, 18TH FLOOR SAN FRANCISCO, CA 94105 | BLUE SHIELD OF CALIFORNIA | $1K | $112K | $113K | 4.36% |
| AMWINS3 Filed as: LISI, INC. | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | BLUE SHIELD OF CALIFORNIA | $57K | $0 | $57K | 2.20% |
| WALSH CARTER AND ASSOC. INS. SVCS.3 Filed as: WALSH CARTER & ASSOCIATES, INC. | 425 CALIFORNIA STREET, SUITE 400 SAN FRANCISCO, CA 94104 | BLUE SHIELD OF CALIFORNIA | $11K | $22K | $33K | 1.26% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES, LLC | 101 2ND STREET, SUITE 525 SAN FRANCISCO, CA 94105 | STANDARD INSURANCE COMPANY | $21K | $2K | $23K | 6.89% |
| WALSH CARTER AND ASSOC. INS. SVCS.3 Filed as: WALSH CARTER & ASSOCIATES, INC. | 425 CALIFORNIA STREET, SUITE 400 SAN FRANCISCO, CA 94104 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 1.26% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 315 | $2.6M |
| Dental | STANDARD INSURANCE COMPANY | 145 | $334K |
| Vision | BLUE SHIELD OF CALIFORNIA | 315 | $2.6M |
| Life insurance | STANDARD INSURANCE COMPANY | 145 | $334K |
| Short-term disability | STANDARD INSURANCE COMPANY | 145 | $334K |
| Long-term disability | STANDARD INSURANCE COMPANY | 145 | $334K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 315 | $2.6M |
| Other | STANDARD INSURANCE COMPANY | 145 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.