| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $161K | $0 | $161K | 2.96% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE SAN JOSE, CA 95123 | SUTTER HEALTH PLAN | $21K | $0 | $21K | 3.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | CALIFORNIA PHYSICIANS SERVICE | $0 | $24K | $24K | 4.71% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CALIFORNIA PHYSICIANS SERVICE | $0 | $12K | $12K | 2.28% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CA INS SVCS | 1455 RESPONSE ROAD, SUITE 260 SACRAMENTO, CA 95815 | CALIFORNIA PHYSICIANS SERVICE | $0 | $9K | $9K | 1.67% |
| BILL MARR3 | 1845 IRON POINTE ROAD, SUITE 100 FOLSOM, CA 95630 | CALIFORNIA PHYSICIANS SERVICE | $0 | $6K | $6K | 1.12% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | SUN LIFE ASSURANCE COMPANY OF CANADA | $49K | $7K | $56K | 11.46% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $5K | $0 | $5K | 10.04% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET LOS ALTOS, CA 94023 | VISION SERVICE PLAN | -$5 | $0 | -$5 | -0.01% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $617 | $0 | $617 | 11.06% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CA INS SVCS | 1425 RIVER PARK ROAD, SUITE 226 SACRAMENTO, CA 95815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $220 | $362 | $582 | 10.43% |
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 | 1,100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 736 | $6.7M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 512 | $491K |
| Vision | VISION SERVICE PLAN | 470 | $54K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $6K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 736 | $6.7M |
| Other(3 contracts, 3 carriers) | COMPSYCH | 739 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.