| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN DRUMMOND3 | 2784 HOMESTEAD ROAD #119 SANTA CLARA, CA 95051 | KAISER FOUNDATION HEALTH PLAN INC | $37K | — | $37K | 4.99% |
| STONE MEADOW BENEFITS LLC3 Filed as: STONE MEADOW BENEFITS & INSURANCE | 50 WOODSIDE PLAZA #553 REDWOOD CITY, CA 94061 | SUTTER HEALTH PLAN | $9K | — | $9K | 4.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| BRIAN DRUMMOND3 | 2784 HOMESTEAD ROAD SUITE 119 SANTA CLARA, CA 95051 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.76% |
| BRIAN DRUMMOND3 | 2784 HOMESTEAD ROAD SUITE 119 SANTA CLARA, CA 95051 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.76% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.36% |
| BRIAN DRUMMOND3 | 2784 HOMESTEAD ROAD SUITE 119 SANTA CLARA, CA 95051 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 11.18% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $804 | — | $804 | 3.40% |
| BRIAN DRUMMOND3 | 2784 HOMESTEAD ROAD SUITE 119 SANTA CLARA, CA 95051 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 70.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $622 | — | $622 | 4.96% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | $681 | — | $681 | 5.43% |
| BRIAN DRUMMOND3 | 2784 HOMESTEAD ROAD SUITE 119 SANTA CLARA, CA 95051 | STANDARD INSURANCE COMPANY | $424 | — | $424 | 3.38% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 95 | $916K |
| Dental | STANDARD INSURANCE COMPANY | 109 | $115K |
| Vision | STANDARD INSURANCE COMPANY | 111 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 130 | $32K |
| Long-term disability | STANDARD INSURANCE COMPANY | 130 | $24K |
| Prescription drug | SUTTER HEALTH PLAN | 25 | $183K |
| Other | STANDARD INSURANCE COMPANY | 49 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.