| 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 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 5.39% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $7K | $8K | 3.39% |
| INSUREYOURPEOPLE, LLC3 Filed as: INSUREYOURPEOPLE LLC | 303 2ND STREET, SUITE 450 SAN FRANCISCO, CA 94107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $696 | $0 | $696 | 0.30% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 2.29% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 2.09% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | BLUE CROSS OF CALIFORNIA | $41K | $0 | $41K | 36.79% |
| BEERE & PURVES INC3 | 1350 TREAT BOULEVARD, SUITE 470 WALNUT CREEK, CA 94597 | BLUE CROSS OF CALIFORNIA | $0 | $33K | $33K | 30.22% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS OF CALIFORNIA | $13K | $0 | $13K | 11.89% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 205 | $252K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 169 | $231K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 169 | $231K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 169 | $231K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 169 | $231K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 169 | $231K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 205 | $252K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 169 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.