| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 945961796 | KAISER FOUNDATION HEALTH PLAN INC | $25K | — | $25K | 2.81% |
| BRIAN DRUMMOND3 | 2784 HOMESTEAD RD # 119 SANTA CLARA, CA 950515353 | KAISER FOUNDATION HEALTH PLAN INC | $12K | — | $12K | 1.34% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 945961796 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $5K | — | $5K | 6.59% |
| DRUMMOND, BRIAN3 | 2784 HOMESTEAD ROAD #119 SANTA CLARA, CA 95051 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $2K | — | $2K | 3.30% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN INSURANCE BROKER | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $273 | $2K | 8.95% |
| BRIAN DRUMMOND3 | 2784 HOMESTEAD ROAD #119 SANTA CLARA, CA 95051 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $454 | — | $454 | 2.63% |
| STONE MEADOW BENEFITS LLC3 Filed as: STONE MEADOWS BENEFITS | 50 WOODSIDE PLZ STE 553 REDWOOD CITY, CA 940612500 | VISION SERVICE PLAN | $393 | — | $393 | 3.02% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN INSURANCE BROKER | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $582 | $128 | $710 | 8.61% |
| BRIAN DRUMMOND3 | 2784 HOMESTEAD ROAD #119 SANTA CLARA, CA 95051 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $242 | — | $242 | 2.94% |
| HEFERNAN INSURANCE BROKER3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $154 | $18 | $172 | 9.21% |
| BRIAN DRUMMOND3 | 2784 HOMESTEAD ROAD #119 SANTA CLARA, CA 95051 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33 | — | $33 | 1.77% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 96 | $892K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 96 | $72K |
| Vision | VISION SERVICE PLAN | 121 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $17K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.