| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SAN MATEO, CA 94404 | AETNA LIFE INSURANCE COMPANY | $71K | $3 | $71K | 2.30% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE SAN MATEO, CA 94403 | AETNA LIFE INSURANCE COMPANY | $54K | $0 | $54K | 1.73% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC. | $25K | $457 | $26K | 5.49% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC. | $22K | $391 | $22K | 5.47% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $31K | $10K | $40K | 12.26% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SAN MATEO, CA 94404 | AETNA HEALTH OF CALIFORNIA INC | $6K | $0 | $6K | 2.36% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE SAN MATEO, CA 94403 | AETNA HEALTH OF CALIFORNIA INC | $4K | $0 | $4K | 1.77% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $6K | $16K | 6.87% |
| MASOLI LEGACY LLC4 Filed as: MASOLI LEGACY, LLC | 4319 BLENHEIM WAY CONCORD, CA 94521 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 9.80% |
| ABD INS. AND FINANCIAL SVCS., INC.4 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $909 | $0 | $909 | 6.31% |
| CHRISTA G AUFDEMBERG INC4 Filed as: CHRISTA G. AUFDEMBERG, INC. | 13102 BRITTANY WOODS DRIVE TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $44 | $0 | $44 | 0.31% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: BROWN & BROWN OF FLORIDA, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $34 | $0 | $34 | 0.24% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | ACE AMERICAN INUSRANCE COMPANY | $981 | $88 | $1K | 21.80% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $133 | $0 | $133 | 6.77% |
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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 313 | $4.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 621 | $231K |
| Vision | STANDARD INSURANCE COMPANY | 346 | $330K |
| Life insurance | STANDARD INSURANCE COMPANY | 346 | $330K |
| Short-term disability | STANDARD INSURANCE COMPANY | 346 | $330K |
| Long-term disability | STANDARD INSURANCE COMPANY | 346 | $330K |
| Prescription drug(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 313 | $4.2M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 346 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.