| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SVCS INC | 3 WATERS PARK DRIVE SAN MATEO, CA 94403 | AETNA LIFE INSURANCE COMPANY | $642K | — | $642K | 2.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $458K | — | $458K | 1.99% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SVCS INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $244K | $53K | $297K | 8.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | — | $30K | 0.91% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SVCS INC | 3 WATERS PARK DRIV SAN MATEO, CA 94403 | AETNA HEALTH OF CALIFORNIA INC | $6K | — | $6K | 2.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | AETNA HEALTH OF CALIFORNIA INC | $4K | — | $4K | 1.77% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SVCS INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $2K | $22K | 16.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.82% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SVCS INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $1K | $18K | 14.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.87% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SVCS INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $2K | $20K | 16.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | SAFEGUARD HEALTH PLANS, INC A FLORIDA CORPORATION | $852 | — | $852 | 0.98% |
| ROBERT C PLACAK & ASSOCIATES3 | 790 MISSION AVENUR SAN RAFAEL, CA 94901 | METLIFE LEGAL PLANS | $5K | — | $5K | 7.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | METLIFE LEGAL PLANS | $4K | — | $4K | 5.46% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SVCS INC | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | METLIFE LEGAL PLANS | — | $184 | $184 | 0.27% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SVCS INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | SAFEGUARD HELATH PLANS, INC A CALIFORNIA CORPORATION | $291 | $4 | $295 | 9.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | SAFEGUARD HELATH PLANS, INC A CALIFORNIA CORPORATION | $2 | — | $2 | 0.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | SAFEGUARD HEALTH PLANS, INC A TEXAS CORPORATION | $8 | — | $8 | 1.48% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SVCS INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | SAFEGUARD HEALTH PLANS, INC A TEXAS CORPORATION | $5 | $1 | $6 | 1.11% |
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 | 3,239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 3,998 | $23.2M |
| Dental(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 4,913 | $26.4M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,913 | $26.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,913 | $3.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,913 | $3.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,913 | $3.3M |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 3,998 | $23.2M |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,913 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,913 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.