| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SVS | 3 WATERS PARK SUITE 100 SAN MATEO, CA 94403 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $43K | — | $43K | 2.18% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | PO BOX 6180 CAROL STREAM, IL 601976180 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $35K | — | $35K | 1.79% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SVCS. INC | 3 WATERS PARK DR STE 100 SAN MATEO, CA 944031162 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $4K | $25K | 2.35% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC D/B/A | INTEGRO INSURANCE BROKERS PO BOX 6180 CAROL STREAM, IL 601976180 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $3K | $21K | 2.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND | FINANCIAL SERVICES, INC. 3 WATERS PARK DR. STE 100 SAN MATEO, CA 944031162 | KAISER FOUNDATION HEALTH PLAN, INC. | $19K | $3K | $21K | 2.17% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 6180 CAROL STREAM, IL 601976180 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | — | $13K | 1.31% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SERVICES | 3 WATERS PARK DR. #100 SAN MATEO, CA 94403 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $26K | $10K | $36K | 8.66% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | 1 STATE STREET PLAZA 1 STATE STREET NEW YORK, NY 10004 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $19K | — | $19K | 4.65% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | P.O. BOX 6180 CAROL STREAM, IL 60197 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $19K | — | $19K | 4.65% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL | SERVICES, INC. 3 WATERS PARK DR. #100 SAN MATEO, CA 94403 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $10K | $4K | $15K | 8.79% |
| INGEGRO USA INC.3 | 1 STATE STREET PLAZA 9TH FLOOR NEW YORK, NY 10004 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $8K | — | $8K | 4.69% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | PO BOX 6180 CAROL STREAM, IL 60197 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $8K | — | $8K | 4.69% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL | SERVICES, INC. 3 WATERS PARK DRIVE SUITE 100 SAN MATEO, CA 94403 | METLIFE LEGAL PLANS | $2K | $917 | $3K | 7.23% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 6180 CAROL STREAM, IL 60197 | METLIFE LEGAL PLANS | $2K | $106 | $2K | 4.25% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA | P.O. BOX 6180 CAROL STREAM, IL 60197 | METLIFE LEGAL PLANS | $1K | $95 | $1K | 3.18% |
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 | 1,020 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 156 | $973K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,141 | $1.1M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,020 | $417K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,020 | $170K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 156 | $973K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,171 | $2.0M |
| Other | METLIFE LEGAL PLANS | 192 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,171 | — |
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.
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.