| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN DRUMMOND3 | 2784 HOMESTEAD ROAD #119 SANTA CLARA, CA 95051 | KAISER FOUNDATION HEALTH PLAN INC | $25K | — | $25K | 4.94% |
| STONE MEADOW BENEFITS LLC3 Filed as: STONE MEADOW BENEFITS & INSURANCE | 50 WOODSIDE PLAZA #553 REDWOOD CITY, CA 94061 | SUTTER HEALTH PLAN | $10K | — | $10K | 5.00% |
| BRIAN DRUMMOND3 Filed as: BRIAN ROBERT DRUMMOND | 2784 HOMESTEAD ROAD SUITE 119 SANTA CLARA, CA 95051 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $4K | $16K | 10.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.75% |
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 | 106 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 88 | $701K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 124 | $153K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 124 | $153K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 124 | $153K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 124 | $153K |
| Prescription drug | SUTTER HEALTH PLAN | 27 | $191K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 124 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.