| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SERVICES | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | UNITED HEALTHCARE INSURANCE COMPANY | $58K | $28K | $86K | 4.09% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 E 3RD AVE SAN MATEO, CA 94401 | UNITED HEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 1.27% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SERVICES | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $30K | — | $30K | 3.68% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 E 3RD AVE SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 0.80% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 3 WATERS PARK DRIVE STE 100 SAN MATEO, CA 94403 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 4.40% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 E 3RD AVE SAN MATEO, CA 94401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.82% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE AND FINANCIAL SERVICE | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 12.37% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 3 3RD AVE SAN MATEO, CA 94401 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $985 | — | $985 | 2.15% |
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 | 388 | 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) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 387 | $2.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 312 | $340K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 312 | $340K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 388 | $46K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 388 | $46K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 387 | $2.9M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 388 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.