| 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 | BLUE CROSS OF CALIFORNIA | $365K | $0 | $365K | 2.60% |
| BEERE & PURVES INC3 | 500 YGNACIO VALLEY ROAD, SUITE 450 WALNUT CREEK, CA 94596 | BLUE CROSS OF CALIFORNIA | $0 | $238K | $238K | 1.70% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $36K | $660 | $37K | 4.34% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $75K | $5K | $80K | 12.81% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | $0 | $13K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC | UNKNOWN WEST LAKE VILLAGE, CA 94041 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $368 | $368 | 0.27% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION PLAN OF THE NORTHWEST | $2K | $0 | $2K | 4.67% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | ARAG INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $542 | $0 | $542 | 9.99% |
| KYLIE ANN KANDA3 Filed as: KYLIE KANDA | PO BOX 860 HOLOLULU, HI 96808 | USABLE LIFE | $5 | $0 | $5 | 4.13% |
| MARY SANCHEZ3 | PO BOX 860 HONOLULU, HI 96808 | USABLE LIFE | $0 | $4 | $4 | 3.31% |
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 | 1,017 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 166 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | BLUE CROSS OF CALIFORNIA | 2,238 | $14.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,391 | $147K |
| Vision(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 2,391 | $14.1M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,002 | $627K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,002 | $627K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,002 | $627K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 2,238 | $14.9M |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,002 | $696K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,391 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.