| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $15K | $0 | $15K | 2.57% |
| GCG FINANCIAL LLC3 Filed as: DOHRMANN AN ALERA GROUP INS AGENCY | 3415 BROOKSIDE ROAD, SUITE 100 STOCKTON, CA 95219 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | $0 | $12K | 2.04% |
| GCG FINANCIAL LLC3 Filed as: DOHRMANN AN ALERA GROUP INS AGENCY | 3415 BROOKSIDE ROAD, SUITE 100 STOCKTON, CA 95219 | SUTTER HEALTH PLAN | $5K | $0 | $5K | 2.58% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN INSURACNE BROKERS | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | SUTTER HEALTH PLAN | $5K | $0 | $5K | 2.42% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 8.93% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $886 | $4K | 5.23% |
| GCG FINANCIAL LLC3 Filed as: DOHRMANN AN ALERA GROUP INS AGENCY | 3415 BROOKSIDE ROAD, SUITE 100 STOCKTON, CA 95219 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $144 | $2K | 2.16% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | SAFEGUARD HEALTH PLANS, INC. | $289 | $69 | $358 | 10.67% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC. | $171 | $42 | $213 | 6.35% |
| GCG FINANCIAL LLC3 Filed as: DOHRMANN AN ALERA GROUP INS AGENCY | 3415 BROOKSIDE ROAD, SUITE 100 STOCKTON, CA 95219 | SAFEGUARD HEALTH PLANS, INC. | $54 | $5 | $59 | 1.76% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 69 | $778K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 110 | $83K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 110 | $80K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 110 | $80K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 110 | $80K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 69 | $778K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 110 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
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.