| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAULA HECKLER3 | PO BOX 5154 SAN RAMON, CA 94583 | KAISER FOUNDATION HEALTH PLAN INC | $41K | $11 | $41K | 6.35% |
| ROSEMARIE HINES3 | 1485 CIVIC COURT SUITE 1400 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.20% |
| PAULA HECKLER3 | PO BOX 5154 SAN RAMON, CA 94583 | KAISER FOUNDATION HEALTH PLAN INC | $26K | $5 | $26K | 6.71% |
| ROSEMARIE HINES3 | 1485 CIVIC COURT SUITE 1400 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN INC | $758 | — | $758 | 0.20% |
| PAULA M HECKLER3 | 345 BEACON RIDGE LANE WALNUT CREEK, CA 94597 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.20% |
| ROSEMARIE HINES3 | 1485 ENEA CIRCLE #1400 CONCORD, CA 94520 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $208 | — | $208 | 0.07% |
| PAULA HECKLER3 | PO BOX 5154 SAN RAMON, CA 94583 | VISION SERVICE PLAN | $2K | — | $2K | 3.42% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 237 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 285 | $278K |
| Vision | VISION SERVICE PLAN | 274 | $47K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 285 | $278K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 285 | $278K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 285 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.