| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS. & FINANCIAL SERVICES, INC. | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC. | $45K | $0 | $45K | 4.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 840 GESSNER ROAD, SUITE 600 HOUSTON, TX 77024 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 0.36% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FIN SVCS DBA NEWFRONT | UNKNOWN BRISBANE, CA 94005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $146K | $3K | $149K | 16.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | $0 | $28K | 2.99% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES | 777 MARINERS ISLAND BOULEVARD SAN MATEO, CA 94404 | HARTFORD LIFE AND ACCIDENT | $34K | $879 | $34K | 11.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 2.23% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS. & FINANCIAL SERVICES, INC. | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $16K | 5.41% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BNFT ADMIN., INC. | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 7600 C NORTH CAPITAL OF TX HIGHWAY AUSTIN, TX 78731 | METROPOLITAN LIFE INSURANCE COMPANY | $862 | $83 | $945 | 0.33% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS. & FINANCIAL SERVICES, INC. | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $334 | $0 | $334 | 0.79% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS. & FINANCIAL SERVICES, INC. | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | CONCERN | $306 | $0 | $306 | 2.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CONCERN | $206 | $0 | $206 | 2.01% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 279 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 679 | $290K |
| Vision | VISION SERVICE PLAN | 224 | $43K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 274 | $291K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 274 | $291K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 274 | $291K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 279 | $1.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 291 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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.