| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 60673 | CALIFORNIA PHYSICIANS SERVICE | $40K | $121K | $161K | 1.84% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | CALIFORNIA PHYSICIANS SERVICE | $11K | $33K | $45K | 0.51% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $47K | — | $47K | 4.35% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS. SERVICES | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $1 | $7K | 0.61% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 606731298 | KAISER FOUNDATION HEALTH PLAN INC | $19K | — | $19K | 4.15% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS & INS SERVICES LLC | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $1 | $6K | 1.23% |
| AON CONSULTING INC3 | 29695 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 3.43% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 777 MARINERS ISLAND SUITE 250 SAN MATEO, CA 94403 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 1.81% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INSURANCE SVCS | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.35% |
| AON CONSULTING INC3 | 29695 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 8.25% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FIN SVCS INC | DBA NEWFORT INC 777 MARINERS ISLAND, SUITE 250 SAN MATEO, CA 94404 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 2.83% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $3K | — | $3K | 1.96% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INSURANCE SVCS | 1850 GATEWAY DR SUITE 700 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $1K | — | $1K | 0.96% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 777 MARINERS ISL BLVD #250 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $19 | — | $19 | 0.01% |
| AON CONSULTING INC3 | ONE FEDERAL STREET 19TH FLOOR BOSTON, MA 02110 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $87 | — | $87 | 3.52% |
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 | 624 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 1,060 | $10.3M |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 1,060 | $8.8M |
| Vision | VISION SERVICE PLAN | 609 | $151K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 517 | $699K |
| Short-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 517 | $699K |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 517 | $699K |
| Prescription drug(4 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 1,060 | $10.3M |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 517 | $699K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,060 | — |
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.