| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN, INC. | $36K | — | $36K | 2.92% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FIN SVCS, INC. | 777 MARINERS ISLAND BLVD, STE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 0.28% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | SUTTER HEALTH PLAN | $16K | — | $16K | 4.58% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FIN SVCS | 777 MARINERS ISLAND BLVD, STE 250 SAN MATEO, CA 94404 | SUTTER HEALTH PLAN | $1K | — | $1K | 0.42% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.29% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SVCS | 1133 WESTCHESTER AVE, STE S229 WHITE PLAINS, NY 10604 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.19% |
| BRIAN DRUMMOND3 | 638 STILSON RD CHICO, CA 95928 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.71% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.55% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FIN SVCS INC | 777 MARINERS ISLAND BLVD, STE 250 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.47% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SVCS | 1133 WESTCHESTER AVE, STE S229 WHITE PLAINS, NY 10604 | STANDARD INSURANCE COMPANY | -$1K | — | -$1K | -3.20% |
| BRIAN DRUMMOND3 | 638 STILSON RD CHICO, CA 95928 | STANDARD INSURANCE COMPANY | -$2K | — | -$2K | -3.98% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.11% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FIN SVCS INC | 777 MARINERS ISLAND BLVD, STE 250 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SVCS | 1133 WESTCHESTER AVE, STE S229 WHITE PLAINS, NY 10604 | STANDARD INSURANCE COMPANY | -$996 | — | -$996 | -3.07% |
| BRIAN DRUMMOND3 | 638 STILSON RD CHICO, CA 95928 | STANDARD INSURANCE COMPANY | -$3K | — | -$3K | -7.85% |
| BRIAN DRUMMOND3 | 638 STILSON RD CHICO, CA 95928 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 12.04% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FIN SVCS INC | 777 MARINERS ISLAND BLVD, STE 250 SAN MATEO, CA 94404 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.70% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $808 | — | $808 | 4.48% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SVCS | 1133 WESTCHESTER AVE, STE S229 WHITE PLAINS, NY 10604 | STANDARD INSURANCE COMPANY | $86 | — | $86 | 0.48% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $354 | — | $354 | 2.23% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SVCS | 1133 WESTCHESTER AVE, STE S229 WHITE PLAINS, NY 10604 | STANDARD INSURANCE COMPANY | $176 | — | $176 | 1.11% |
| BRIAN DRUMMOND3 | 638 STILSON RD CHICO, CA 95928 | STANDARD INSURANCE COMPANY | $145 | — | $145 | 0.91% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 111 | $1.6M |
| Dental | STANDARD INSURANCE COMPANY | 133 | $142K |
| Vision | STANDARD INSURANCE COMPANY | 130 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 150 | $40K |
| Long-term disability | STANDARD INSURANCE COMPANY | 150 | $32K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 111 | $1.6M |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 150 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.