| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE STE 200 WALNUT CREEK, CA 94596 | CALIFORNIA PHYSICIANS' SERVICE | — | $56K | $56K | 4.80% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | SUN LIFE ASSURANCE COMPANY OF CA | $7K | — | $7K | 9.71% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE STE 200 WALNUT CREEK, CA 94596 | SUN LIFE ASSURANCE COMPANY OF CA | $205 | — | $205 | 0.29% |
| HEFFERNAN INSURANCE BROKERS3 | 180 HOWARD ST SUITE 200 SAN FRANCISCO, CA 94105 | ANTHEM BLUE CROSS BLUE SHIELD | $4K | $167 | $5K | 15.54% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FINANCIAL SERV | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | ANTHEM BLUE CROSS BLUE SHIELD | — | $357 | $357 | 1.22% |
| HEFFERMAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | EYEMED VISION CARE | $1K | — | $1K | 9.12% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | EYEMED VISION CARE | $245 | — | $245 | 1.77% |
| JOHNSON RESOURCES3 | 7272 E DOUBLETREE RANCH #200 SCOTTSDALE, AZ 85258 | EYEMED VISION CARE | $165 | — | $165 | 1.19% |
| JOHNSON RESOURCES3 | 10801 E HAPPY VALLEY RD UNIT 78 SCOTTSDALE, AZ 85255 | EYEMED VISION CARE | $137 | — | $137 | 0.99% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 263 | $1.2M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CA | 121 | $70K |
| Vision | EYEMED VISION CARE | 165 | $14K |
| Life insurance | ANTHEM BLUE CROSS BLUE SHIELD | 263 | $29K |
| Short-term disability | ANTHEM BLUE CROSS BLUE SHIELD | 263 | $29K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 188 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.