| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAULA HECKLER3 | PO BOX 5154 SAN RAMON, CA 94583 | KAISER FOUNDATION HEALTH PLAN INC | $28K | — | $28K | 4.33% |
| ROSEMARIE HINES3 | 1485 CIVIC COURT SUITE 1400 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.23% |
| PAULA HECKLER3 | — | DELTA DENTAL OF CALIFORNIA | $15K | — | $15K | 10.00% |
| PAULA M HECKLER3 | 345 BEACON RIDGE LANE WALNUT CREEK, CA 94597 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 9.54% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.00% |
| ROSEMARIE HINES3 | 1485 ENEA CIRCLE #1400 CONCORD, CA 94520 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $601 | — | $601 | 0.50% |
| PAULA HECKLER3 | — | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| PAULA HECKLER3 Filed as: PAULA HECKLER/LINCOLN FINANCIAL ADV | 3000 EXECUTIVE PARKWAY #400 SAN RAMON, CA 94583 | CLAREMONT | $450 | — | $450 | 5.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 SOUTH PARKER STREET 8TH FLOOR ORANGE, CA 92868 | BLUE SHIELD OF CALIFORNIA | $4K | — | $4K | 73.17% |
| HECKLER, PAULA M3 | 3000 EXECUTIVE PARKWAY SUITE 400 SAN RAMON, CA 94583 | BLUE SHIELD OF CALIFORNIA | — | $288 | $288 | 5.00% |
| HINES, ROSEMARIE3 | 1485 ENEA CIRCLE SUITE 1400 CONCORD, CA 94520 | BLUE SHIELD OF CALIFORNIA | — | $15 | $15 | 0.26% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 82 | $645K |
| Dental | DELTA DENTAL OF CALIFORNIA | 116 | $152K |
| Vision | VISION SERVICE PLAN | 116 | $20K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $120K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $120K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $120K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 0 | $6K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.