| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES, LLC | 55 2ND STREET, 18TH FLOOR SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN INC | $39K | $0 | $39K | 4.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES, LLC | 55 2ND STREET, 18TH FLOOR SAN FRANCISCO, CA 94105 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $177 | $21K | 12.29% |
| GIS BENEFITS INC3 | 2520 NORTHWINDS PARKWAY, SUITE 600 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $12K | 7.39% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.56% |
| WALSH CARTER AND ASSOC. INS. SVCS.3 Filed as: WALSH CARTER & ASSOC INSURANCE SVCS | 423 WASHINGTON STREET, 5TH FLOOR SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $120 | $2K | 1.07% |
| WALSH CARTER AND ASSOC. INS. SVCS.3 Filed as: WALSH CARTER & ASSOC INSURANCE SVCS | 423 WASHINGTON STREET, 5TH FLOOR SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 42.65% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SERVICES, LLC | 55 2ND STREET, 18TH FLOOR SAN FRANCISCO, CA 94105 | HARTFORD LIFE AND ACCIDENT | $115 | $0 | $115 | 2.26% |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 133 | $966K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $167K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $167K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $167K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $167K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 178 | $5K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 133 | $966K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.