| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | BLUE SHIELD OF CALIFORNIA - CALIFORNIA PHYSICIANS' SERVICE | $3K | $108K | $110K | 4.18% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES, | 1600 W. HILLSDALE BLVD., SUITE 201 SANMATEO, CA 94402 | BLUE SHIELD OF CALIFORNIA - CALIFORNIA PHYSICIANS' SERVICE | — | $55K | $55K | 2.08% |
| ANDREINI & COMPANY3 | 220 W. 20TH AVE. SAN MATEO, CA 94403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 12.07% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE. SAN MATEO, CA 94403 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES, | 1600 W. HILLSDALE BLVD, SUITE 201 SAN MATEO, CA 94402 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | — | $532 | $532 | 2.00% |
| ANDREINI & COMPANY3 | 220 W. 20TH AVE. SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $364 | — | $364 | 2.61% |
| ANDREINI & COMPANY3 | 200 WEST 20TH AVENUE SAN MATEO, CA 94403 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $12K | $0 | $12K | — |
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 | 487 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE SHIELD OF CALIFORNIA - CALIFORNIA PHYSICIANS' SERVICE | 429 | $2.8M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 0 | $0 |
| Vision | BLUE SHIELD OF CALIFORNIA - CALIFORNIA PHYSICIANS' SERVICE | 429 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 487 | $131K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA - CALIFORNIA PHYSICIANS' SERVICE | 429 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 487 | — |
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.