| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $72K | $89K | 5.19% |
| ALLIANT INSURANCE SERVICES, INC.3 | 560 MISSION STREET, 6TH FLOOR SAN FRANSISCO, CA 51662 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $10K | $23K | 1.37% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 0.68% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES LLC | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.54% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BOULEVARD WALNUT CREEK, CA 94596 | LEGAL CLUB OF AMERICA | $11K | — | $11K | 20.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | UNKNOWN SAN MATEO, CA 94402 | LEGAL CLUB OF AMERICA | $6K | $0 | $6K | 12.18% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | UNKNOWN SAN MATEO, CA 94402 | LEGAL CLUB OF AMERICA | $1K | — | $1K | 2.75% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | LEGAL CLUB OF AMERICA | $1K | $0 | $1K | 2.57% |
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 | 2,368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 144 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 92 | $715K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,368 | $1.7M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,368 | $1.7M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,368 | $1.7M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 92 | $715K |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,368 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,368 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.