| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | $0 | $47K | 5.46% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $33K | $84 | $33K | 5.21% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | PRUDENTIAL LIFE COMPANY OF AMERICA | $13K | $6K | $19K | 14.79% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL LIFE COMPANY OF AMERICA | $0 | $74 | $74 | 0.06% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $1K | $0 | $1K | 1.08% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | SUNLIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 10.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | UNION SECURITY INSURANCE COMPANY | $6K | $0 | $6K | 10.02% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORWOOD DRIVE, SUITE 200 SAN JOSE, CA 95123 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $909 | $0 | $909 | 2.39% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORWOOD 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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $1.8M |
| Dental(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 212 | $119K |
| Vision | VISION SERVICE PLAN | 217 | $17K |
| Life insurance | PRUDENTIAL LIFE COMPANY OF AMERICA | 222 | $131K |
| Short-term disability | PRUDENTIAL LIFE COMPANY OF AMERICA | 222 | $131K |
| Long-term disability | PRUDENTIAL LIFE COMPANY OF AMERICA | 222 | $131K |
| Prescription drug(5 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $1.8M |
| Other | PRUDENTIAL LIFE COMPANY OF AMERICA | 222 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.