| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $15K | $935 | $16K | 1.77% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $555 | $13K | 9.02% |
| WEALTH STRATEGIES NORTHWEST3 | 5100 SOUTHWEST MACADAM PORTLAND, OR 97239 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | WILLAMETTE DENTAL INSURANCE, INC. | $3K | — | $3K | 5.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $517 | — | $517 | 5.41% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 167 | $916K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $195K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 173 | $10K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $139K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $139K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $139K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 167 | $916K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.