| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBRA UPLAND3 | 1519 SOUTH B STREET SAN MATEO, CA 94402 | SUTTER HEALTH PLAN | $20K | $0 | $20K | 4.00% |
| DEBRA UPLAND3 | 1519 SOUTH B STREET SAN MATEO, CA 94402 | WESTERN HEALTH ADVANTAGE | $21K | $0 | $21K | 5.00% |
| DEBRA UPLAND3 | 1519 SOUTH B STREET SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $0 | $13K | 4.17% |
| DEBORAH UPLAND3 Filed as: DEBORAH E. UPLAND | 1519 SOUTH B STREET SAN MATEO, CA 94402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.91% |
| DEBORAH UPLAND3 | 1519 SOUTH B STREET SAN MATEO, CA 94402 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.30% |
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 | 308 | 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) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SUTTER HEALTH PLAN | 89 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $141K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 308 | $18K |
| Prescription drug(3 contracts, 3 carriers) | SUTTER HEALTH PLAN | 89 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 308 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.