| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMITY, INC.3 Filed as: LUMITY INC | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN INC | $24K | $0 | $24K | 3.44% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $0 | $7K | 1.07% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214F DIAMOND HEIGHTS BOULEVARD SUITE 1152 SAN FRANCISCO, CA 94131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $29K | $0 | $29K | 6.62% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $0 | $14K | 3.30% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 5.18% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$2K | $7K | $5K | 3.04% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 97703 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 2.40% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214F DIAMOND HEIGHTS BOULEVARD SUITE 1152 SAN FRANCISCO, CA 94131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 2.30% |
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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 96 | $703K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 360 | $433K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 360 | $433K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 361 | $153K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 361 | $153K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 361 | $153K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 96 | $703K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 361 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.