| 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 | CALIFORNIA PHYSICIANS SERVICE | $0 | $145K | $145K | 5.36% |
| WELSON KERR3 | 6155 ALMADEN EXPRESSWAY, SUITE 210 SAN JOSE, CA 95120 | CALIFORNIA PHYSICIANS SERVICE | $54K | $3K | $57K | 2.11% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $3K | $21K | 7.68% |
| ROGERS BENEFIT GROUP INC3 | 6155 ALMADEN EXPRESSWAY, SUITE 210 SAN JOSE, CA 95120 | PRINCIPAL LIFE INSURANCE COMPANY | — | $14K | $14K | 4.99% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 6155 ALMADEN EXPRESSWAY, SUITE 210 SAN JOSE, CA 95120 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.46% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 10.05% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | DELAWARE AMERICAN LIFE INSURANCE OF AMERICA | $2K | $0 | $2K | 10.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $842 | $0 | $842 | 10.00% |
| WELDON G KERR3 Filed as: WELDON KERR | 6155 ALMADEN EXPRESSWAY, SUITE 210 SAN JOSE, CA 95120 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $0 | $168 | $168 | 1.99% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $189 | $0 | $189 | 9.97% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 258 | $2.8M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $322K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $278K |
| Life insurance(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $305K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $278K |
| Long-term disability(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $296K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 258 | $2.8M |
| Other(5 contracts, 5 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.