| 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 | 2.78% |
| ROSEMARIE HINES3 | 1485 CIVIC COURT SUITE 1400 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.15% |
| PAULA HECKLER3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $58K | — | $58K | 11.79% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $30K | $30K | 6.02% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 4.26% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 0.22% |
| PAULA HECKLER3 | — | 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 | $12K | — | $12K | 9.26% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.00% |
| ROSEMARIE HINES3 | 1485 ENEA CIRCLE #1400 CONCORD, CA 94520 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $638 | — | $638 | 0.49% |
| PAULA HECKLER3 | PO BOX 5154 SAN RAMON, CA 94583 | VISION SERVICE PLAN | $1K | — | $1K | 4.10% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 100 OTTAWA AVENUE SOUTHWEST GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $610 | — | $610 | 2.23% |
| LINCOLN FINANCIAL GROUP3 Filed as: LINCOLN FINANCIAL ADVISORS | — | CLAREMONT BEHAVIORAL SERVICES, INC. | $450 | — | $450 | 5.45% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 86 | $1.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 117 | $156K |
| Vision | VISION SERVICE PLAN | 124 | $27K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $131K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $131K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $131K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $139K |
| 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."
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.