| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | BLUE CROSS OF CALIFORNIA | $242K | $3K | $245K | 4.51% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES INC - 500 | YGNACIO VALLEY ROAD SUITE 450 WALNUT CREEK, CA 94596 | BLUE CROSS OF CALIFORNIA | — | $104K | $104K | 1.91% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SERVICES | INC - 777 MARINERS ISLAND BLVD #250 SAN MATEO, CA 94404 | BLUE CROSS OF CALIFORNIA | $18K | — | $18K | 0.33% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FL SAN DIEGO, CA 92101 | DELTA DENTAL OF CALIFORNIA | $16K | — | $16K | 4.33% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FINANCIAL SERVICES | 777 MARINERS ISLAND BLVD SUITE 250 SAN MATEO, CA 94404 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 0.67% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FINL SVCS INC | — | DELTA DENTAL OF CALIFORNIA | -$1 | — | -$1 | -0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 921018156 | KAISER FOUNDATION HEALTH PLAN INC | $15K | — | $15K | 4.12% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SERVICES, INC. | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 944045088 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $264 | $4K | 1.01% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SERVICES | 777 MARINERS ISLAND BLVD #250 SAN MATEO, CA 94404 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FL SAN DIEGO, CA 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.49% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SERVICES | 777 MARINERS ISLAND BLVD #250 SAN MATEO, CA 94404 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FL SAN DIEGO, CA 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.66% |
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 | 645 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 646 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 822 | $5.8M |
| Dental | DELTA DENTAL OF CALIFORNIA | 908 | $375K |
| Vision | BLUE CROSS OF CALIFORNIA | 822 | $5.4M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 608 | $94K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 621 | $74K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 69 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 908 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.