| 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 | HEALTH PLAN OF NEVADA, INC. | $71K | $0 | $71K | 3.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 1990 NORTH CALIFORNIA BOULEVARD SUITE 720 WALNUT CREEK, CA 94596 | SYMETRA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 119.84% |
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION COMPANY INC | 5 COWBOYS WAY, SUITE 300-I FISCO, TX 75034 | SYMETRA LIFE INSURANCE COMPANY | $0 | $549 | $549 | 3.04% |
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 | 503 | 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) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA, INC. | 666 | $2.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 425 | $41K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO | 636 | $15K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 485 | $18K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 485 | $18K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 485 | $18K |
| Prescription drug | HEALTH PLAN OF NEVADA, INC. | 666 | $2.4M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 485 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.