| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $534K | $0 | $534K | 2.87% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY ASSOCIATES INS SERV INC | PO BOX 1006 THOUSAND OAKS, CA 91358 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $155K | $0 | $155K | 0.84% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | DELTA DENTAL OF ARIZONA | $24K | $0 | $24K | 1.82% |
| KEN HUBBERT3 | PO BOX 1006 THOUSAND OAKS, CA 91358 | DELTA DENTAL OF ARIZONA | $8K | $0 | $8K | 0.61% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE | LOCKBOX 25306 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50K | $0 | $50K | 6.95% |
| KEN HUBBERT3 | 230 VIA INEZ NEWBURY PARK, CA 91320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $0 | $28K | 3.92% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $41K | $0 | $41K | 7.84% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY ASSOCIATES INS SERV INC | PO BOX 1006 THOUSAND OAKS, CA 91358 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $23K | $38K | 7.29% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $5K | $0 | $5K | 2.33% |
| KEN HUBBERT3 | 230 VIA INEZ NEWBURY PARK, CA 91320 | VISION SERVICE PLAN | $1K | $0 | $1K | 0.67% |
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 | 2,221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,093 | $18.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,093 | $19.9M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,093 | $18.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,221 | $717K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,221 | $717K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,221 | $717K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,093 | $18.6M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,093 | $19.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,093 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.