| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOFFEMAN GROUP INS. BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $26K | $0 | $26K | 3.74% |
| ASCENSION INSURANCE AGENCY3 | 1277 TREAT BOULEVARD SUITE 400 WALNUT CREEK, CA 94597 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 1.26% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN GROUP INS. BROKERS | 1350 CARLBACK AVENUE SUITE 300 WALNUT CREEK, CA 94596 | UNION SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 5.37% |
| HERRERNAN GROUP INS. BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 3.02% |
| PORTAL INSURANCE AGENCY, INC.3 Filed as: PORTAL INS AGENCY DBA ASCENSION | 1277 TREAT BOULEVARD SUITE 650 WALNUT CREEK, CA 94597 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 2.92% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN GROUP INS. BROKERS | 1350 CARLBACK AVENUE SUITE 200 WALNUT CREEK, CA 94596 | BLUE CROSS OF CALIFORNIA | $1K | $446 | $2K | 21.70% |
| MELINDA MONTEEN3 | PO BOX 1364 SAN LUIS OBISPO, CA 93406 | BLUE CROSS OF CALIFORNIA | $0 | $446 | $446 | 5.61% |
| AMWINS3 Filed as: LISI INC | 1600 WEST HILLSDALE BLVD. SAN MATEO, CA 94403 | BLUE CROSS OF CALIFORNIA | $0 | $284 | $284 | 3.57% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN GROUP INS. BROKERS | 16100 SWINGLEY RIDGE ROAD SUITE 250 CHESTERFIELD, MO 63017 | BLUE CROSS OF CALIFORNIA | $0 | $115 | $115 | 1.45% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES INC. | 80 SOUTH LAKE AVENUE SUITE 600 PASADENA, CA 91101 | BLUE CROSS OF CALIFORNIA | $68 | $0 | $68 | 0.85% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN GROUP INS. BROKERS | 1350 CARLBECK AVENUE SUITE 300 WALNUT CREEK, CA 94596 | UNION SECURITY INSURANCE COMPANY | $379 | $0 | $379 | 8.16% |
| PORTAL INSURANCE AGENCY, INC.3 Filed as: PORTAL INS AGENCY DBA ASCENSION | 1277 TREAT BOULEVARD SUITE 650 WALNUT CREEK, CA 94597 | UNION SECURITY INSURANCE COMPANY | $126 | $0 | $126 | 2.71% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN GROUP INS. BROKERS | PO BOX 4006 WALNUT CREEK, CA 94596 | UDC DENTAL OF CALIFORNIA, INC. | $336 | $0 | $336 | 8.00% |
| PORTAL INSURANCE AGENCY, INC.3 Filed as: PORTAL INS DBS ASCENSION | 1277 TREST BOULEVARD SUITE 400 WALNUT CREEK, CA 94597 | UDC DENTAL OF CALIFORNIA, INC. | $84 | $0 | $84 | 2.00% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 84 | $684K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 89 | $64K |
| Vision | UNION SECURITY INSURANCE COMPANY | 89 | $60K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 153 | $68K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 89 | $60K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 84 | $684K |
| Other(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 153 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.