| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SRVC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC. | $16K | — | $16K | 3.44% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANICAL SERVICE | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | PREMIER ACCESS INSURANCE COMPANY | $2K | — | $2K | 7.48% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL | SERVICES INC DBA NEWFRONT 1435 N MCDOWELL BLVD PETALUMA, CA 94954 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 10.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FINANCIAL SVCS, INC. | 3 WATERS PARK DRIVE SUITE 100 SAN MATEO, CA 94403 | CONCERN HEALTH | $276 | — | $276 | 5.41% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 59 | $477K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 76 | $31K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $12K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $12K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 59 | $477K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 135 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.