| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREINI & COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | BLUE SHIELD OF CALIFORNIA | $86K | — | $86K | 4.00% |
| AMWINS3 Filed as: LISI, INC | 1600 W HILLSDALE BLVD SAN MATEO, CA 94402 | BLUE SHIELD OF CALIFORNIA | $43K | — | $43K | 2.00% |
| ANDREINI & COMPANY3 | 5500 W. 20TH AVE. SAN MATEO, CA 94403 | ANTHEM BLUE CROSS | $9K | — | $9K | 3.17% |
| ANDREINI & COMPANY3 | 220 W. 20TH AVE. SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 3.46% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | GERBER LIFE INSURANCE COMPANY | $2K | — | $2K | 6.97% |
| EMERSON REID LLC3 | 5200 N. PALM AVE., SUITE 114 FRESNO, CA 93704 | GERBER LIFE INSURANCE COMPANY | $1K | — | $1K | 4.98% |
| ANDREINI & COMPANY3 | 220 W. 20TH AVE. SAN MATEO, CA 94403 | UNITED OF OMAHO LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 494 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 442 | $2.2M |
| Dental | ANTHEM BLUE CROSS | 257 | $285K |
| Vision | GERBER LIFE INSURANCE COMPANY | 181 | $23K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 494 | $302K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 442 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.