| 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 | $93K | — | $93K | 2.85% |
| SWEET & BAKER INS. BROKERS, INC.3 Filed as: SWEET AND BAKER INSURANCE BROKERS | 44 2ND STREET SAN FRANCISCO, CA 94105 | CALIFORNIA PHYSICIANS SERVICE | $72K | $63 | $72K | 2.21% |
| ROGERS BENEFIT GROUP INC3 | 6155 ALMADEN EXPRESSWAY, SUITE 210 SAN JOSE, CA 95120 | CALIFORNIA PHYSICIANS SERVICE | — | $65K | $65K | 2.00% |
| SWEET & BAKER INS. BROKERS, INC.3 Filed as: SWEET AND BAKER INSURANCE BROKERS | 44 2ND STREET SAN FRANCISCO, CA 94105 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $3K | $6K | 2.86% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94063 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 1.49% |
| SWEET & BAKER INS. BROKERS, INC.3 Filed as: SWEET AND BAKER INSURANCE BROKERS | 44 2ND STREET SAN FRANCISCO, CA 94105 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.19% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 3 WATERS PARK DRIVE, SUITE 100 SAN MATEO, CA 94403 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $749 | $4K | 4.46% |
| LEBHERZ INSURANCE SERVICES INC3 | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.31% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 673 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 626 | $226K |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 673 | $3.3M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 297 | $79K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 297 | $79K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 297 | $79K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 673 | $3.3M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 297 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.