| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUDUM FINANCIAL AND INSURANCE SERVI3 | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | BLUE CROSS OF CALIFORNIA | $1.2M | $11K | $1.2M | 10.04% |
| DUDUM FINANCIAL AND INSURANCE SERVI3 | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC | $263K | — | $263K | 4.15% |
| DUDUM FINANCIAL AND INSURANCE SERVI3 | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC | $264K | — | $264K | 4.94% |
| DUDUM FINANCIAL AND INSURANCE SERVI3 | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $254K | — | $254K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DUDUM FINANCIAL EIN 22-3891987 N/A | Contract Administrator; Insurance brokerage commissions and fees; Participant communication; Insurance agents and brokers; Insurance services; Consulting (general) Service code 13 | — | $1.4M |
| EMPLOYEE BENEFIT SPECIALIST EIN 77-0171549 NONE | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $171K |
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 | 4,730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,767 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 4,090 | $31.1M |
| Dental(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 4,090 | $21.9M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 4,090 | $7.5M |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 4,090 | $7.5M |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 0 | $135K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 0 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,090 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.