| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSS AND FINANCIAL SVCS., INC. | 3 WATERS PARK DR, STE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $97K | $6K | $102K | 4.31% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 910 E HAMILTON AVE STE 410 CAMPBELL, CA 95008 | KAISER FOUNDATION HEALTH PLAN INC | $31K | $21 | $31K | 1.31% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SVCS INC | 3 WATERS PARK DR STE 100 SAN MATEO, CA 94403 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 3.20% |
| ROBERT B SUHR & COMPANY INS BROKERS3 | 5300 STEVENS CREEK BLVD #3 FL SAN JOSE, CA 95129 | METROPOLITAN LIFE INSURANCE COMPANY | $745 | — | $745 | 0.31% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FIN. SVCS., INC. | 1990 N CALIFORNIA BLVD STE 720 WALNUT CREEK, CA 94596 | SUTTER HEALTH PLAN | $6K | — | $6K | 3.80% |
| SUHR RISK SERVICES3 Filed as: SUHR RISK SERVICES OF CALIFORNIA | 910 E. HAMILTON AVE. STE 410 CAMPBELL, CA 95008 | SUTTER HEALTH PLAN | $2K | — | $2K | 1.20% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FIN. SVCS. | 3 WATERS PARK DR. STE 100 SAN MATEO, CA 94403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $502 | $5K | 5.87% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 910 E HAMILTON AVE CAMPBELL, CA 95008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $456 | $2K | 2.71% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 910 E HAMILTON AVE STE 410 CAMPBELL, CA 95008 | VISION SERVICE PLAN | $329 | — | $329 | 0.99% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FIN. SVCS. | 3 WATERS PARK DR. STE 100 SAN MATEO, CA 94403 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $75 | $2K | 12.19% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 910 E HAMILTON AVE, STE 410 CAMPBELL, CA 95008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $438 | $58 | $496 | 3.84% |
| MARIA GALICIA3 | 3601 NIGHTINGALE DR ANTIOCH, CA 94509 | PRE-PAID LEGAL SERVICE INC. DBA LEGALSHIELD | $256 | — | $256 | 11.72% |
| SILVIO J. ESTRADA3 Filed as: SILVIO J ESTRADA | 14 PLUMAS CT BAY POINT, CA 94565 | PRE-PAID LEGAL SERVICE INC. DBA LEGALSHIELD | $76 | — | $76 | 3.48% |
| THE AGURS GROUP INC.3 Filed as: THE AGURS GROUP INC | 5213 TAMANAR DR LAS VEGAS, NV 89130 | PRE-PAID LEGAL SERVICE INC. DBA LEGALSHIELD | $36 | — | $36 | 1.65% |
| PAMELA BRINKER3 | 72502 EDGEHILL DR UNIT 3 PALM DESERT, CA 92260 | PRE-PAID LEGAL SERVICE INC. DBA LEGALSHIELD | $29 | — | $29 | 1.33% |
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 | 219 | Currently employed and enrolled or eligible. |
| 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 | 345 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 553 | $243K |
| Vision | VISION SERVICE PLAN | 175 | $33K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $103K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $90K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 345 | $2.5M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.