| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAULA M HECKLER3 Filed as: PAULA M. HECKLER | 3000 EXECUTIVE PARKWAY SUITE 400 SAN RAMON, CA 94583 | BLUE SHIELD OF CALIFORNIA | $65K | — | $65K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 SOUTH PARKER STREET 8TH FLOOR ORANGE, CA 92868 | BLUE SHIELD OF CALIFORNIA | $31K | — | $31K | 2.41% |
| PAULA HECKLER3 | PO BOX 5154 SAN RAMON, CA 94583 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | — | $21K | 4.92% |
| PAULA HECKLER3 | 3000 EXECUTIVE PARKWAY SUITE 400 SAN RAMON, CA 94583 | DELTA DENTAL OF CALIFORNIA | $16K | — | $16K | 10.00% |
| PAULA M HECKLER3 | 345 BEACON RIDGE LANE WALNUT CREEK, CA 94597 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 9.76% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.00% |
| PAULA HECKLER3 | PO BOX 5154 SAN RAMON, CA 94583 | VISION SERVICE PLAN | $1K | — | $1K | 5.46% |
| PAULA HECKLER3 Filed as: PAULA HECKLER, CFP | 300 EXECUTIVE PARKWAY #400 SAN RAMON, CA 94583 | CLAREMONT EAP | $400 | — | $400 | 5.01% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 76 | $1.7M |
| Dental | DELTA DENTAL OF CALIFORNIA | 121 | $164K |
| Vision | VISION SERVICE PLAN | 117 | $21K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $113K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $113K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $113K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 76 | $1.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.