| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 3 WATERS PARK DRIVE STE 100 SAN MATEO, CA 94403 | AETNA LIFE INSURANCE COMPANY | $140K | $6K | $146K | 4.97% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 3 WATERS PARK DRIVE STE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $23K | $1K | $24K | 3.83% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 3 WATERS PARK DRIVE STE 100 SAN MATEO, CA 94403 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $17K | $29K | 9.08% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 3 WATERS PARK DRIVE STE 100 SAN MATEO, CA 94403 | AETNA HEALTH, INC. | $5K | — | $5K | 4.68% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 3 WATERS PARK DRIVE STE 100 SAN MATEO, CA 94403 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $4K | $1K | $5K | 5.53% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 5448 THORNWOOD DR SAN MATEO, CA 95120 | STANDARD INSURANCE COMPANY | $2K | $1K | $3K | 6.32% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 600 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $200 | — | $200 | 0.43% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVCS | 3 WATERS PARK DRIVE STE 100 SAN MATEO, CA 94403 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $1K | $548 | $2K | 5.57% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 3 WATERS PARK DRIVE STE 100 SAN MATEO, CA 94403 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $1K | $497 | $2K | 5.57% |
| SEQUOIA BENEFITS & INS SVCS LLC3 | 72 MADISON AVE 2ND FL NEW YORK, NY 10001 | FEDERAL INSURANCE COMPANY | $385 | — | $385 | 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 | 376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 523 | $3.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,006 | $325K |
| Vision | STANDARD INSURANCE COMPANY | 317 | $47K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 368 | $94K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 357 | $35K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 357 | $32K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 523 | $3.6M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 376 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,006 | — |
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.