| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SERVICES | 3 WATERSSTE PARK DR STE 100 SAN MATEO, CA 94403 | UNITED HELATHCARE INSURANCE COMPANY | $165K | $12K | $177K | 3.29% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 1850 GATEWAY DRIVE, SUITE 600 SAN MATEO, CA 94404 | UNITED HELATHCARE INSURANCE COMPANY | -$255 | $0 | -$255 | -0.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERCVIC | 3 WATERS PARK DR. STE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $17K | $0 | $17K | 5.19% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DRIVE SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $888 | $888 | 0.28% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SERVICES | 777 MARINERS ISLAND BLVD SUITE 250 SAN MATEO, CA 94404 | LINCOLN FINANCIAL GROUP | $9K | $1K | $10K | 11.49% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FNANCIAL SERVICES | 777 MARINERS ISLAND BLVD SUITE 250 SAN MATEO, CA 94404 | VSP | $2K | $0 | $2K | 2.56% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SERVICES | 777 MARINERS ISLAND BLVD SUITE 250 SAN MATEO, CA 94404 | LINCOLN FINANCIAL GROUP | $6K | $789 | $6K | 11.40% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SERVICES | 3 WATERSSTE PARK DR STE 100 SAN MATEO, CA 94403 | GUARDIAN LIFE INSURANCE COMPANY | $13K | $899 | $14K | 36.32% |
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 | 497 | 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) | 497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HELATHCARE INSURANCE COMPANY | 941 | $5.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 500 | $39K |
| Vision | VSP | 478 | $73K |
| Life insurance | LINCOLN FINANCIAL GROUP | 497 | $91K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 497 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 941 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.