| 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 | AETNA LIFE INSURANCE COMPANY | $147K | $6K | $153K | 6.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 4.28% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $3K | $9K | 14.92% |
| SYNERGY ENROLLMENT AND BENEFITS LLC5 Filed as: SYNERGY ENROLLMENT & BENEFITS, LLC | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $3K | $3K | 4.93% |
| PLANSOURCE BEN ADMINISTRATION INC5 Filed as: PLANSOURCE BEN ADMINISTRATION, INC. | PO BOX 1313 ORLANDO, FL 32802 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $881 | $881 | 1.50% |
| BENERATION LLC5 | 2124 RACE STREET, GROUND FLOOR PHILADELPHIA, PA 19103 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $647 | $647 | 1.10% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | COMPANION LIFE INSURANCE COMPANY | $3K | $1K | $5K | 14.63% |
| BENERATION LLC5 | 2124 RACE STREET, GROUND FLOOR PHILADELPHIA, PA 19103 | COMPANION LIFE INSURANCE COMPANY | $0 | $345 | $345 | 1.10% |
| PLANSOURCE BEN ADMINISTRATION INC5 Filed as: PLANSOURCE BEN ADMINISTRATION, INC. | PO BOX 1313 ORLANDO, FL 32802 | COMPANION LIFE INSURANCE COMPANY | $0 | $325 | $325 | 1.04% |
| PLANSOURCE BEN ADMINISTRATION INC5 | PO BOX 1313 ORLANDO, FL 32802 | COMPANION LIFE INSURANCE COMPANY | $0 | $146 | $146 | 0.47% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | ACE AMERICAN INSURANCE COMPANY | $2K | $160 | $2K | 21.51% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 221 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $197K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $197K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 158 | $90K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 158 | $59K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 158 | $59K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 221 | $2.5M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 221 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
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.