| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SVCS, INC | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | $0 | $9K | 2.25% |
| ASD INSURANCE AND FINANCIAL SERVICE3 Filed as: ASD INSURANCE & FINANCIAL SVCS, LLC | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | $0 | $8K | 2.04% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN, INC. | $494 | $0 | $494 | 0.13% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SVCS, INC | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $9K | $21K | 8.54% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 4.49% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $543 | $543 | 0.22% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SVCS, INC | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 8.22% |
| LOCKTON COMPANIES, LLC3 | 4275 EXEC SQUARE, SUITE 600 LA JOLLA, CA 92037 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.45% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SVCS, INC | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $5K | $0 | $5K | 20.00% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | ARAG SERVICES, LLC | $750 | $0 | $750 | 4.91% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SVCS, INC | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | ARAG SERVICES, LLC | $657 | $0 | $657 | 4.30% |
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 | 323 | 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) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 36 | $380K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 319 | $244K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 319 | $244K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 36 | $380K |
| Other(5 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 323 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.