| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAULA HECKLER3 | PO BOX 5154 SAN RAMON, CO 94583 | KAISER FOUNDATION HEALTH PLAN INC | $51K | $6 | $51K | 4.64% |
| ROSEMARIE HINES3 | 1485 CIVIC COURT SUITE 1400 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $3 | $3K | 0.24% |
| PAULA HECKLER3 | PO BOX 5154 SAN RAMON, CA 94583 | KAISER FOUNDATION HEALTH PLAN INC | $20K | $2 | $20K | 5.19% |
| ROSEMARIE HINES3 | 1485 CIVIC COURT SUITE 1400 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN INC | $1K | $1 | $1K | 0.27% |
| PAULA M HECKLER3 | 345 BEACON RIDGE LANE WALNUT CREEK, CA 94597 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 3.83% |
| ROSEMARIE HINES3 | 1485 ENEA CIRCLE #1400 CONCORD, CA 94520 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $635 | — | $635 | 0.20% |
| PAULA HECKLER3 | PO BOX 5154 SAN RAMON, CA 94583 | VISION SERVICE PLAN | $2K | — | $2K | 3.36% |
| ROSEMARIE HINES3 | 1485 ENEA CIRCLE SUITE 1400 CONCORD, CA 94520 | VISION SERVICE PLAN | $97 | — | $97 | 0.18% |
| PAULA HECKLER3 | — | CONCERN | $454 | — | $454 | 5.00% |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 273 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $315K |
| Vision | VISION SERVICE PLAN | 323 | $55K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $315K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $315K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 347 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
No prospect flags tripped on this filing.