| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 945961796 | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | — | $8K | 5.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMINSTRATORS | 721 S PARKER ST STE 300 ORANGE, CA 928684732 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 2.37% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN INS BROKERS | 16100 SWINGLEY RIDGE RD STE 250 CHESTERFIELD, MO 630171788 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 6.41% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 37 | $148K |
| Dental | HUMANA INSURANCE COMPANY | 102 | $56K |
| Vision | HUMANA INSURANCE COMPANY | 102 | $56K |
| Life insurance | HUMANA INSURANCE COMPANY | 102 | $56K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 37 | $148K |
| Other | HUMANA INSURANCE COMPANY | 102 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.