| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | CALIFORNIA PHYSICIANS SERVICE | $9K | $71K | $80K | 3.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST INS. | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | CALIFORNIA PHYSICIANS SERVICE | $7K | $68K | $75K | 2.91% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 2.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST INS. | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $0 | $8K | 1.97% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 8.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST INS. | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $708 | $6K | 5.60% |
| JOHN M FICKEWIRTH AND ASSOCIATION I3 Filed as: JOHN M FICKEWIRTH & ASSOC. | 60 SOUTH CALIFORNIA STREET 4TH FLOOR VENTURA, CA 93001 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 1.53% |
| JEFFREY WILLIAM SHANBROM3 | 603 WEST OJAI AVENUE OJAI, CA 93023 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.46% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 416 | $3.0M |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 416 | $2.6M |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 416 | $2.6M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 630 | $107K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 630 | $107K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 630 | $107K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 416 | $3.0M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 630 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 630 | — |
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.