| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUDUM FINANCIAL AND INSURANCE SERVI3 Filed as: DUDUM FINANCIAL & INSURANCE SV | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLANS INC. | $28K | $0 | $28K | 4.12% |
| DUDUM FINANCIAL AND INSURANCE SERVI3 Filed as: DUDUM FINANCIAL & INSURANCE SV | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $280 | $0 | $280 | 9.97% |
| DUDUM FINANCIAL AND INSURANCE SERVI3 Filed as: DUDUM FINANCIAL & INSURANCE SV | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | HUMANA | $1K | $9K | $10K | — |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLANS INC. | 162 | $670K |
| Dental | HUMANA | 117 | $0 |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $3K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.