| 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. | $94K | $2K | $96K | 4.58% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | SUTTER HEALTH PLAN | $20K | $0 | $20K | 5.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | CALIFORNIA PHYSICIANS SERVICE | $22K | $0 | $22K | 6.44% |
| RGB SAN JOSE3 | 6155 ALMADEN EXPRESSWAY, SUITE 210 SAN JOSE, CA 95120 | CALIFORNIA PHYSICIANS SERVICE | $0 | $9K | $9K | 2.76% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $4K | $8K | 10.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $651 | $3K | 6.21% |
| A & AG CONSULTANTS4 | 335 CALLE DEL RAY MORGAN HILL, CA 95037 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $453 | $0 | $453 | 10.65% |
| MICHELLE ROBERTS4 | 265 CENTRAL AVENUE SUNNYVALE, CA 94086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $107 | $0 | $107 | 2.52% |
| KEVIN MAAS4 | 17672 HILLSIDE COURT CASTRO VALLEY, CA 94546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $56 | $0 | $56 | 1.32% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 314 | $2.8M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 239 | $54K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $77K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $77K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 314 | $2.8M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 290 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.