| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 5448 THORNWOOD DRIVE SAN JOSE, CA 95123 | CALIFORNIA PHYSICIANS SERVICE | $87K | $1K | $88K | 5.08% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS. AND FINANCIAL SVCS. INC. | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $24K | — | $24K | 5.18% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 1550 PARKSIDE DRIVE, SUITE 120 WALNUT CREEK, CA 94596 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 5.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 11.66% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | VISION SERVICE PLAN | $1K | — | $1K | 4.55% |
| LORI E. FOUTS4 | PO BOX 151298 SAN RAFAEL, CA 94915 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 13.13% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $758 | — | $758 | 5.60% |
| DON R. WILSON3 | 1522 SUNNYSLOPE DRIVE CARROLLTON, TX 75007 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $427 | — | $427 | 3.16% |
| JULIE GERSHON4 | 11 PADDOCK STREET WILMINGTON, MA 01887 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $15 | — | $15 | 0.11% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 308 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $211K |
| Vision | VISION SERVICE PLAN | 209 | $33K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $79K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $79K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $79K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 308 | $2.2M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 207 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.