| 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 | AETNA LIFE INSURANCE COMPANY | $58K | $192 | $58K | 2.29% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | AETNA LIFE INSURANCE COMPANY | $28K | $644 | $28K | 1.12% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $0 | $12K | 4.24% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | KAISER FOUNDATION HEALTH PLAN INC | $60 | $0 | $60 | 0.02% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $1K | $17K | 6.98% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.67% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $6K | $0 | $6K | 5.04% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $6K | $0 | $6K | 4.95% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | VISION SERVICE PLAN | $609 | $0 | $609 | 2.34% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 313 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 490 | $247K |
| Vision | VISION SERVICE PLAN | 214 | $26K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 220 | $116K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 220 | $116K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 220 | $116K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 313 | $2.8M |
| Other | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 220 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.