| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL, INC. | 1039-A N MCDOWELL BLVD. PETALUMA, CA 94954 | BLUE CROSS OF CALIFORNIA | $103K | $3K | $106K | 3.49% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | BLUE CROSS OF CALIFORNIA | $53K | — | $53K | 1.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL, INC. | 1039-A N MCDOWELL BLVD. PETALUMA, CA 94954 | KAISER FOUNDATION HEALTH PLAN INC. | $25K | — | $25K | 1.45% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE, SUITE 200 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | — | $16K | 0.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL, INC. | 1039-A N MCDOWELL BLVD. PETALUMA, CA 94954 | KAISER FOUNDATION HEALTH PLAN INC. | $15K | — | $15K | 1.45% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 0.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL, INC. | 1039-A N MCDOWELL BLVD. PETALUMA, CA 94954 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $7K | $15K | 2.23% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $34 | $1K | 0.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL, INC. | 1039-A N MCDOWELL BLVD. PETALUMA, CA 94954 | ANTHEM LIFE INSURANCE COMPANY | $5K | $153 | $6K | 3.49% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 20 WALNUT CREEK, CA 94596 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 1.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL, INC. | 1039-A N MCDOWELL BLVD. PETALUMA, CA 94954 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $5K | $142 | $5K | 3.49% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 1.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC. | 1039-A N MCDOWELL BLVD. PETALUMA, CA 94954 | VISION SERVICE PLAN | $2K | — | $2K | 1.92% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $644 | — | $644 | 0.61% |
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 | 773 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 292 | $5.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,252 | $652K |
| Vision | VISION SERVICE PLAN | 586 | $105K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 771 | $149K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 768 | $161K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 768 | $161K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 292 | $5.7M |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 771 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,252 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.