| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN DRUMMOND3 | 2784 HOMESTEAD RD #119 SANTA CLARA, CA 950515353 | KAISER FOUNDATION HEALTH PLAN INC | $42K | — | $42K | 4.15% |
| STONE MEADOW BENEFITS LLC3 Filed as: STONE MEADOW BENEFITS & INSURANCE | 50 WOODSIDE PLZ #553 REDWOOD CITY, CA 940612500 | SUTTER HEALTH PLAN | $13K | — | $13K | 5.00% |
| BRIAN DRUMMOND3 | 2784 HOMESTEAD RD STE 119 SANTA CLARA, CA 950515353 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 6.60% |
| CLAREMONT BUSINESS GROUP3 Filed as: CLAREMONT BUSINESS GROUP INC | 1000 BURNETT AVE STE 440 CONCORD, CA 94520 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 3.80% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 83 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $171K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $171K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $171K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $171K |
| Prescription drug | SUTTER HEALTH PLAN | 27 | $269K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.