| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE SAN JOSE, CA 95123 | BLUE CROSS OF CALIFORNIA | $40K | $0 | $40K | 0.83% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | BLUE CROSS OF CALIFORNIA | $25K | $0 | $25K | 0.52% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $50K | $3K | $53K | 6.21% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | DELTA DENTAL OF CALIFORNIA | $28K | $0 | $28K | 5.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $23K | $7K | $31K | 11.93% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.60% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | MANAGED HEALTH NETWORK | $344 | $0 | $344 | 5.01% |
| LAURA A. MARLEY4 | 146 PRESIDIO AVENUE HALF MOON BAY, CA 94019 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 33.82% |
| MICHAEL R. JOHNSON4 | 808 MEDITERRANEAN LANE REDWOOD, CA 94065 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $19 | $0 | $19 | 0.31% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 1990 NORTH CALIFORNIA BOULEVARD SUITE 720 WALNUT CREEK, CA 94596 | HARTFORD LIFE AND ACCIDENT | $663 | $0 | $663 | 14.99% |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 718 | $5.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 877 | $562K |
| Vision | VISION SERVICE PLAN | 296 | $99K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 369 | $257K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 369 | $257K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 369 | $257K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 718 | $5.6M |
| Other(4 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 369 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 877 | — |
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.