| 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 | KAISER FOUNDATION HEALTH PLAN INC | $93K | $0 | $93K | 5.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BOULEVARD SUITE 600 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN INC | -$16K | $0 | -$16K | -0.94% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE SAN JOSE, CA 95123 | CALIFORNIA PHYSICIANS SERVICE | $22K | $0 | $22K | 7.00% |
| WELDON G KERR3 Filed as: WELDON G. KERR | 6155 ALMADEN EXPRESSWAY, SUITE 210 SAN JOSE, CA 95120 | CALIFORNIA PHYSICIANS SERVICE | $9K | $0 | $9K | 3.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | SUTTER HEALTH PLAN | $8K | $0 | $8K | 5.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $4K | 5.42% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $4K | 4.94% |
| ALTERITY BROKER SOLUTIONS3 | 8201 NORTH HAYDEN ROAD SCOTTSDALE, AZ 85258 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$149 | -$412 | -$561 | -0.76% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $873 | $10K | 15.92% |
| A & AG CONSULTANTS4 | 335 CALLE DEL REY MORGAN HILL, CA 95037 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $350 | $0 | $350 | 6.71% |
| MICHELLE ROBERTS4 | 265 CENTRAL AVENUE SUNNYVALE, CA 94086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $169 | $0 | $169 | 3.24% |
| KEVIN MAAS4 Filed as: KEVIN C. MAAS | 17672 HILLSIDE COURT CASTRO VALLEY, CA 94546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $102 | $0 | $102 | 1.95% |
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 | 264 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 336 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 229 | $60K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 229 | $60K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 264 | $74K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 264 | $74K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 336 | $2.2M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 264 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.