| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FIN SVCS DBA NEWFRONT | 777 MARINERS ISLAND BLVD SUITE 250 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $71K | $3K | $74K | 10.35% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE FIN SRV INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 944045088 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | $209 | $14K | 5.76% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FIN SVCS | 777 MARINERS ISLAND BLVD #250 MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $23K | $1K | $24K | 10.37% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD AND FINCL SVCS | 777 MARINERS ISLAND BLVD #250 SAN MATEO, CA 94404 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $982 | $12K | 15.74% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FNCL SVCS | 777 MARINERS ISLAND BLVD #250 SAN MATEO, CA 94404 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $442 | $696 | $1K | 3.45% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINL SVCS INC | DBA NEWFRONT INS SVCS 777 MARINERS ISLAND BLVD SUITE 250 SAN MATEO, CA 94404 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 22.39% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FINCL SRVS | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 944041562 | VISION SERVICE PLAN | $1K | — | $1K | 4.96% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FIN SRV INC | 3 WATERS PARK DR #100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLANS, INC. | $617 | — | $617 | 4.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD SUITE 800 CONCORD, CA 94520 | ACE AMERICAN INSURANCE COMPANY | $2K | $228 | $3K | 21.91% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINC INC | DBA NEWFRONT INS SVCS 777 MARINERS ISLAND BLVD STD 250 SAN MATEO, CA 94404 | AMERICAN HERITAGE LIFE INSURANCE COMPAY | $1K | — | $1K | 15.00% |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 451 | $986K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 209 | $233K |
| Vision | VISION SERVICE PLAN | 209 | $25K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 239 | $79K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 239 | $33K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 30 | $275K |
| Other(5 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 600 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.