| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC. | $13K | $0 | $13K | 5.54% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $722 | $8K | 10.90% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 5.15% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $968 | $8K | 15.35% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $1K | $519 | $2K | 12.36% |
| JOY E GUNDERSON3 Filed as: JOY GUNDERSON | 2824 SAINT ANDREWS ROAD FAIRFIELD, CA 94534 | AFLAC | $777 | $29 | $806 | 5.04% |
| MJ INSURANCE3 Filed as: JOSEPH CANEPA AND VARIOUS AGENTS | 61390 HUCKLEBERRY PLACE BEND, OR 97702 | AFLAC | $392 | $60 | $452 | 2.83% |
| SAMANTHA IVANCICH3 | PO BOX 8313 SAN JOSE, CA 95155 | AFLAC | $246 | $0 | $246 | 1.54% |
| FALCE BENEFITS GROUP INC.3 Filed as: FALCE BENEFITS GROUP | 191 CYPRESS LANE WATSONVILLE, CA 95076 | AFLAC | $125 | $0 | $125 | 0.78% |
| NANCY E ODOM3 Filed as: NANCY ODOM | 5921 STONE MEADOW DRIVE PLANO, TX 75093 | AFLAC | $119 | $0 | $119 | 0.74% |
| MICHAEL ANTHONY DURRE3 Filed as: MICHAEL DOLINAR | 21908 DEE DRIVE BEND, OR 97701 | AFLAC | $76 | $0 | $76 | 0.48% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | AFLAC | $61 | $0 | $61 | 0.38% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 33 | $291K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 85 | $74K |
| Vision | STANDARD INSURANCE COMPANY | 78 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $49K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $65K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $65K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 33 | $291K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.