| 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. | $8K | $0 | $8K | 1.63% |
| BRUCE E. PRICE3 Filed as: BRUCE PRICE | 7536 WALNUT ORCH SANTA ROSA, CA 95409 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | $0 | $6K | 1.24% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK ROAD SUITE 100 SAN MATEO, CA 94403 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 4.40% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE SUITE 100 SAN MATEO, CA 94403 | ANTHEM BLUE CROSS | $6K | $0 | $6K | 1.79% |
| AMWINS3 Filed as: LISI INC. | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94403 | ANTHEM BLUE CROSS | $3K | $0 | $3K | 0.91% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE SAN JOSE, CA 95120 | STANDARD INSURANCE | $6K | $0 | $6K | 2.84% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE SAN MATEO, CA 94403 | PRUDENTIAL LIFE COMPANY OF AMERICA | $6K | $0 | $6K | 10.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL LIFE COMPANY OF AMERICA | $0 | $22 | $22 | 0.04% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE SUITE 100 SAN MATEO, CA 94403 | UNION SECURITY INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE SAN JOSE, CA 94063 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $433 | $0 | $433 | 2.58% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE SUITE 200 SAN JOSE, CA 95123 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.00% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 81 | $1.4M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE | 171 | $244K |
| Vision | VISION SERVICE PLAN | 171 | $15K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE | 179 | $256K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE | 179 | $256K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE | 179 | $256K |
| Prescription drug(6 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 81 | $1.4M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE | 179 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.