| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 100 WALNUT CREEK, CA 945967231 | COMPANION LIFE INSURANCE COMPANY | $740 | $146 | $886 | 10.03% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD., SUITE 105E MELVILLE, NY 117473111 | COMPANION LIFE INSURANCE COMPANY | $144 | — | $144 | 1.63% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | HARTFORD LIFE INSURANCE CO. | $527 | — | $527 | 14.99% |
| HEFFERNAN INSURANCE BROKERS3 | 14608 O'BRIEN DRIVE MENLO PARK, CA 94025 | HARTFORD LIFE INSURANCE CO. | — | $14 | $14 | 0.40% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $26 | — | $26 | 1.99% |
| JOSHUA SENDERS3 | 35 PINELAWN RD., SUITE 105E MELVILLE, NY 117473111 | ALLSTATE LIFE INSURANCE CO. OF NEW YORK | $32 | — | $32 | 4.97% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 145 | $9K |
| Short-term disability | ALLSTATE LIFE INSURANCE CO. OF NEW YORK | 1 | $644 |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE CO. | 152 | $5K |
| Other | COMPANION LIFE INSURANCE COMPANY | 145 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.