| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 945967299 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $29 | $6K | 1.34% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.25% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 5.91% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $1K | — | $1K | 2.98% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | VISION SERVICE PLAN | $438 | — | $438 | 1.07% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $662 | — | $662 | 10.07% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 945967299 | METROPOLITAN LIFE INSURANCE COMPANY | $256 | — | $256 | 6.34% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 3608 W. FRIENDLY AVE., SUITE 212 GREENSBORO, NC 274104833 | METROPOLITAN LIFE INSURANCE COMPANY | $36 | — | $36 | 0.89% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 945967299 | METROPOLITAN LIFE INSURANCE COMPANY | $143 | — | $143 | 3.99% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 3608 W. FRIENDLY AVE., SUITE 212 GREENSBORO, NC 274104833 | METROPOLITAN LIFE INSURANCE COMPANY | $18 | — | $18 | 0.50% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $168 | — | $168 | 10.00% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $138 | — | $138 | 13.21% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 945967299 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | $29 | $30 | 2.87% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $72 | — | $72 | 8.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 945967299 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 3.22% |
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 | 476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | VISION SERVICE PLAN | 369 | $41K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 807 | $411K |
| Vision | VISION SERVICE PLAN | 369 | $41K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 476 | $194K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 476 | $194K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 476 | $194K |
| Other(7 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 476 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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."
No prospect flags tripped on this filing.