| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 777 MARINERS ISLAND SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $71K | $7K | $78K | 13.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2 PARK PLAZA IRVINE, CA 92614 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | — | $22K | 3.71% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 777 MARINERS ISLAND SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC. | — | $368 | $368 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 3697 MT. DIABLO LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC. | — | $42 | $42 | 0.01% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 777 MARINERS ISLAND SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $2K | $6K | 3.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2 PARK PLAZA IRVINE, CA 92614 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 0.70% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 777 MARINERS ISLAND SAN MATEO, CA 94404 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.36% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 777 MARINERS ISLAND SAN MATEO, CA 94404 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $754 | $754 | 2.37% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 777 MARINERS ISLAND SAN MATEO, CA 94404 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $314 | $314 | 2.40% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 777 MARINERS ISLAND SAN MATEO, CA 94404 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH PA | $1K | — | $1K | 20.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 777 MARINERS ISLAND SAN MATEO, CA 94404 | CONCERN EAP | $213 | — | $213 | 3.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2 PARK PLAZA IRVINE, CA 92614 | CONCERN EAP | $71 | — | $71 | 1.25% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 777 MARINERS ISLAND SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $466 | -$124 | $342 | 9.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2 PARK PLAZA IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $119 | $70 | $189 | 4.98% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE | 777 MARINERS ISLAND SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $190 | $90 | $280 | 12.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 2 PARK PLAZA IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $48 | $64 | $112 | 4.87% |
| RHONA S UNSELL INC3 Filed as: RHONA S UNSELL | 6525 GUNPARK DRIVE BOULDER, CO 80301 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $353 | — | $353 | 19.10% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $1.0M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 302 | $224K |
| Vision | VISION SERVICE PLAN | 118 | $38K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $71K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $13K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $32K |
| Prescription drug(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $1.0M |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 177 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.