| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREINI & COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | BLUE SHIELD OF CALIFORNIA | $96K | $61 | $96K | 4.00% |
| ANDREINI & COMPANY3 | 220 W. 20TH AVE. SAN MATEO, CA 94403 | ANTHEM BLUE CROSS | $10K | — | $10K | 3.53% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVENUE SAN MATEO, CA 94403 | GERBER LIFE INSURANCE COMPANY | $2K | — | $2K | 6.98% |
| EMERSON REID LLC3 | 5200 N. PALM AVE., SUITE 114 FRESNO, CA 93704 | GERBER LIFE INSURANCE COMPANY | $1K | — | $1K | 5.18% |
| ANDREINI & COMPANY3 | 220 W. 20TH AVE. SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $965 | — | $965 | 3.89% |
| ANDREINI & COMPANY3 | 220 W. 20TH AVE. SAN MATEO, CA 94403 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $617 | $3K | 13.08% |
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 | 512 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 233 | $2.4M |
| Dental | ANTHEM BLUE CROSS | 258 | $269K |
| Vision | GERBER LIFE INSURANCE COMPANY | 188 | $26K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 512 | $289K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 233 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.