| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $100K | $780 | $100K | 26.02% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $17K | $288 | $17K | 5.28% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | DELTA DENTAL OF CALIFORNIA | $8K | $0 | $8K | 10.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $806 | $6K | 12.75% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.00% |
| MJ INSURANCE3 Filed as: JEAN FRESNEL AND VARIOUS AGENTS | 700 112TH STREET NW, SUITE 700 WASHINGTON, DC 20005 | AFLAC | $770 | $6 | $776 | 5.82% |
| SPECIALTY BENEFIT SOLUTIONS LLC3 | 110 WILTSHIRE COURT W STERLING, VA 20165 | AFLAC | $404 | $0 | $404 | 3.03% |
| NADIRA GULED3 | 2071 SPRUCEFIELD ROAD COLUMBUS, OH 43229 | AFLAC | $335 | $0 | $335 | 2.51% |
| SAMANTHA IVANCICH3 | PO BOX 8313 SAN JOSE, CA 95155 | AFLAC | $216 | $12 | $228 | 1.71% |
| BRYAN EDWARDS3 | 2408 EAST 2ND STREET FLINT, MI 48503 | AFLAC | $190 | $0 | $190 | 1.42% |
| NANCY E ODOM3 Filed as: NANCY ODOM | 5921 STONE MEADOW DRIVE PLANO, TX 75093 | AFLAC | $130 | $0 | $130 | 0.97% |
| FALCE BENEFITS GROUP INC.3 Filed as: FALCE BENEFITS GROUP INC | 191 CYPRESS LANE WATSONVILLE, CA 95076 | AFLAC | $109 | $3 | $112 | 0.84% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $713K |
| Dental | DELTA DENTAL OF CALIFORNIA | 164 | $81K |
| Vision | VISION SERVICE PLAN | 62 | $23K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $46K |
| Short-term disability | AFLAC | 14 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $46K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $713K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.