| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $67K | $7K | $74K | 2.99% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $15 | $15 | 0.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | $15K | $41K | 7.70% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORGANIZATION | $2K | $0 | $2K | 1.14% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 21.72% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | $0 | $3K | 15.00% |
| EVELYN M. SHELTON4 | 2954 OAKLEY ROAD OAKLEY, CA 94561 | PRE-PAID LEGAL SERVICS, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 7.41% |
| MARIA GALICIA4 | 3601 NIGHTINGALE DRIVE ANTIOCH, CA 94509 | PRE-PAID LEGAL SERVICS, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 7.37% |
| DUENAS ASSOCIATES LLC4 | 5710 DESERT MALLOW STREET ROCKLIN, CA 95677 | PRE-PAID LEGAL SERVICS, INC. DBA LEGALSHIELD | $197 | $0 | $197 | 1.01% |
| MST INC.4 | 14455 COUNTY ROAD 3500 ADA, OK 74820 | PRE-PAID LEGAL SERVICS, INC. DBA LEGALSHIELD | $96 | $0 | $96 | 0.49% |
| JULIE GERSHON4 | 7 CAPOZZI CIRCLE WOBURN, MA 01801 | PRE-PAID LEGAL SERVICS, INC. DBA LEGALSHIELD | $96 | $0 | $96 | 0.49% |
| MJ INSURANCE4 Filed as: GLOBAL COMM. AND VARIOUS AGENTS | 21890 HARROW AVENUE NORTH FOREST LAKE, MN 55025 | PRE-PAID LEGAL SERVICS, INC. DBA LEGALSHIELD | $52 | $0 | $52 | 0.27% |
| DALENE SAWYER4 | 14926 GABLES END DRIVE ATHENS, AL 35613 | PRE-PAID LEGAL SERVICS, INC. DBA LEGALSHIELD | $38 | $0 | $38 | 0.19% |
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 | 604 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 835 | $2.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,653 | $972K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 604 | $587K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 604 | $587K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 374 | $2.7M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 835 | $630K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,653 | — |
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.