| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | UNITEDHEALTHCARE INSURANCE COMPANY | $178K | $0 | $178K | 1.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | DELTA DENTAL OF CALIFORNIA | $41K | $0 | $41K | 4.97% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | DELTA DENTAL OF CALIFORNIA | $25K | $0 | $25K | 3.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | PO BOX 101162 PASADENA, CA 91189 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $80K | $7K | $87K | 12.54% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES LLC | 450 SANSOME STREET, SUITE 300 SAN FRANCISCO, CA 94111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 4.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | PO BOX 101162 PASADENA, CA 91189 | VISION SERVICE PLAN | $7K | $0 | $7K | 7.20% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES LLC | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $4K | $0 | $4K | 3.72% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $4K | $0 | $4K | 3.72% |
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 | 1,055 | 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) | 1,055 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,376 | $9.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,549 | $825K |
| Vision | VISION SERVICE PLAN | 715 | $96K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,021 | $697K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,021 | $697K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,021 | $697K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,376 | $9.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,021 | $697K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,549 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.