| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $201K | $0 | $201K | 6.02% |
| MCGRIFF INSURANCE SERVICES INC3 | 150 S 5TH STREET, SUITE 2855 MINNEAPOLIS, MN 55402 | UNITEDHEALTHCARE INSURANCE COMPANY | -$402 | $0 | -$402 | -0.01% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | MEDIEXCEL HEALTH PLAN | $495 | $0 | $495 | 5.00% |
| LIDIA PEREZ4 | 16919 SHINEDALE DRIVE SANTA CLARITA, CA 91387 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $45 | — | $45 | 1.97% |
| ABD INS. AND FINANCIAL SVCS., INC.4 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $40 | $0 | $40 | 1.75% |
| MCGRIFF INSURANCE SERVICES INC4 Filed as: MCGRIFF INSURANCE SERVICES | 214 N TYRON STREET, 46TH FLOOR CHARLOTTE, SC 28202 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | $0 | $23 | 1.00% |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 515 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 515 | $3.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 515 | $3.3M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 515 | $3.3M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 515 | $3.3M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 515 | $3.3M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 515 | $3.3M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 515 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.