| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $48K | $0 | $48K | 4.16% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 4.63% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FIN. SVCS., INC. | 1990 NORTH CARLIFORNIA BOULEVARD SUITE 720 WALNUT CREEK, CA 94596 | SUTTER HEALTH PLAN | $4K | $0 | $4K | 5.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $571 | $7K | 12.94% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | VISION SERVICE PLAN | $993 | $0 | $993 | 5.91% |
| MARIA GALICIA4 | 3601 NIGHTINGALE DRIVE ANTIOCH, CA 94509 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $165 | $0 | $165 | 8.88% |
| SILVIO J. ESTRADA4 | 14 PLUMAS COURT BAY POINT, CA 94565 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $55 | $0 | $55 | 2.96% |
| THE AGURS GROUP INC.4 | 5213 TAMANAR DRIVE LAS VEGAS, NV 89130 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $38 | $0 | $38 | 2.05% |
| PAMELA BRINKER4 | 72502 EDGEHILL DRIVE, UNIT 3 PALM DESERT, CA 92260 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $19 | $0 | $19 | 1.02% |
| DINO J. CICCONE4 | 604 AZORES CIRCLE BAY POINT, CA 94565 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $15 | $0 | $15 | 0.81% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 319 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 587 | $125K |
| Vision | VISION SERVICE PLAN | 163 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $53K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $53K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 319 | $1.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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."
No prospect flags tripped on this filing.