| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BLVD., STE. 250 SAN MATEO, CA 94404 | BLUE SHIELD OF CALIFORNIA | $23K | $93K | $117K | 2.75% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | BLUE SHIELD OF CALIFORNIA | $12K | $6K | $18K | 0.42% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BLVD., STE. 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC. | $72K | $2K | $75K | 2.54% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | KAISER FOUNDATION HEALTH PLAN, INC. | $10K | — | $10K | 0.36% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BLVD., STE. 250 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $5K | $16K | 5.96% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $714 | $833 | $2K | 0.57% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BLVD., STE. 250 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 12.66% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $416 | $4K | 4.48% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BLVD., STE. 250 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $801 | — | $801 | 10.25% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $379 | — | $379 | 4.85% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BLVD., STE. 250 SAN MATEO, CA 94404 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 14.59% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BLVD., STE. 250 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $427 | — | $427 | 9.55% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $244 | — | $244 | 5.46% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BLVD., STE. 250 SAN MATEO, CA 94404 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $455 | — | $455 | 13.09% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BLVD., STE. 250 SAN MATEO, CA 94404 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $222 | — | $222 | 17.63% |
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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 377 | $7.2M |
| Dental | BLUE SHIELD OF CALIFORNIA | 324 | $4.2M |
| Vision | BLUE SHIELD OF CALIFORNIA | 324 | $4.2M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 451 | $362K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 451 | $273K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 451 | $273K |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 377 | $7.2M |
| Other(7 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 451 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.