| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE, SUITE 200 WALNUT CREEK, CA 94596 | BLUE SHIELD OF CALIFORNIA | $27K | $122K | $149K | 5.80% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | $1K | $15K | 5.51% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 3.62% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | SELECT HEALTH | $4K | — | $4K | 3.37% |
| HEFFERNAN INSURANCE BROKERS3 | 5100 SOUTH MACADAM, SUITE 440 PORTLAND, OR 97239 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $814 | $9K | 14.32% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE, SUITE 200 WALNUT CREEK, CA 94596 | BLUE SHIELD OF CALIFORNIA LIFE HEALTH INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ZENAT SHARIFF BELKIN3 Filed as: ZENAT BELKIN | 14204 WEST EVANS CIRCLE LAKEWOOD, CO 80228 | AFLAC | $312 | $0 | $312 | 1.92% |
| SUSAN BANKS & OTHERS3 | 334 WEST GOLF PLACE PAGOSA SPRINGS, CO 81147 | AFLAC | $293 | $0 | $293 | 1.81% |
| REGINA K SANTANGELO3 Filed as: REGINA SANTANGELO | 6892 SOUTH WEBSTER WAY LITTLETON, CO 80128 | AFLAC | $182 | $0 | $182 | 1.12% |
| EMILY SHARP3 | 206 EAST PRAIRIE AVENUE COALGATE, OK 74538 | AFLAC | $171 | $0 | $171 | 1.05% |
| KENNETH GARNER3 | 1928 DENVER WEST COURT APARTMENT 2511 GOLDEN, CO 80401 | AFLAC | $160 | $0 | $160 | 0.99% |
| KENIA STURGIS3 | 4398 FINCH LANE KISSIMMEE, FL 34746 | AFLAC | $129 | $0 | $129 | 0.79% |
| MELISSA NAMECHE3 | 5444 SOUTH HATCH DRIVE EVERGREEN, CO 80439 | AFLAC | $69 | $0 | $69 | 0.43% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | AFLAC | $389 | $0 | $389 | 3.75% |
| THOMPSON & ASSOCIATES INSURANCE INC3 Filed as: THOMPSON & ASSOCIATES INS., INC. | 2743 SOUTH SANDPIPER AVENUE ONTARIO, CA 91761 | AFLAC | $168 | $0 | $168 | 1.62% |
| ERIN HOLZSCHUH3 | 1372 COVELL ROAD BROCKPORT, NY 14420 | AFLAC | $100 | $0 | $100 | 0.96% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN HAJIMOMEN | 5752 WHISTLER CIRCLE HUNTINGTON BEACH, CA 92649 | AFLAC | $80 | $0 | $80 | 0.77% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $53 | $0 | $53 | 0.51% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $42 | $0 | $42 | 0.40% |
| KENNETH SOTHERLUND3 | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $35 | $0 | $35 | 0.34% |
| THE AGURS GROUP INC.4 Filed as: THE AGURS GROUP, INC. | 5721 FRENCH LACE COURT NORTH LAS VEGAS, NV 89081 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $796 | — | $796 | 14.64% |
| DINO J. CICCONE4 | 16889 CARMICHAEL AVENUE CALDWELL, ID 83607 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $405 | — | $405 | 7.45% |
| JB CREATIVE SOLUTIONS LLC3 Filed as: JB CREATIVE SOLUTIONS, LLC | 3881 FREEMAN WAY PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 3.95% |
| PATRIOT GROWTH INSURANCE SERVICES3 | UNKNOWN NEWPORT BEACH, CA 92660 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 2.80% |
| MICHAEL F FAHEY III3 Filed as: MICHAEL F. FAHEY LII | 103 PALM DRIVE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 1.48% |
| FINANCIAL MANAGEMENT NETWORK, INC.3 | 26041 ACERO MISSION VIEJO, CA 92691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 1.15% |
| MIKE MCCORMICK3 | 7 MONSERRAT PLACE FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.33% |
| DAVID A. RACKLIFFE3 | 300 HEROIT COURT SPRING HILL, TN 37174 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.33% |
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 | 402 | 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) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE SHIELD OF CALIFORNIA | 271 | $3.2M |
| Dental(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 271 | $2.6M |
| Vision | BLUE SHIELD OF CALIFORNIA | 271 | $2.6M |
| Life insurance(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 385 | $99K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $75K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $65K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 271 | $2.6M |
| Other(6 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 385 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.