| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $103K | $0 | $103K | 5.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $690 | $690 | 0.09% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $298 | $3K | 1.44% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $3K | $14K | 10.96% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $1K | $0 | $1K | 20.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | CONCERN EAP | $296 | $0 | $296 | 5.00% |
| RHONA S UNSELL INC4 | 6525 GUNPARK DRIVE, SUITE 370-152 BOULDER, CO 80301 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $608 | $0 | $608 | 23.33% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $198K |
| Vision | VISION SERVICE PLAN | 149 | $30K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $127K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $127K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $127K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $2.9M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
No prospect flags tripped on this filing.