| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | CALIFORNIA PHYSICIANS SERVICE | — | $29K | $29K | 1.56% |
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTORY BLVD, STE 700 WOODLAND HILLS, CA 91367 | CALIFORNIA PHYSICIANS SERVICE | — | $28K | $28K | 1.54% |
| PCF INSURANCE SERVICES OF THE WEST3 | 1233 ALPINE RD, STE 201 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLANS INC. | $21K | — | $21K | 1.85% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLANS INC. | $15K | — | $15K | 1.37% |
| PCF INSURANCE SERVICES OF THE WEST3 | 1233 ALPINE RD, STE 201 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $5K | — | $5K | 1.14% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $4K | — | $4K | 0.84% |
| PCF INSURANCE SERVICES OF THE WEST3 | 1233 ALPINE RD WALNUT CREEK, CA 94596 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $7K | $12K | 3.40% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.51% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $1K | — | $1K | 1.35% |
| PCF INSURANCE SERVICES OF THE WEST3 | 6200 CANOGA AVE, SUITE 325 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $1K | — | $1K | 1.25% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $733 | — | $733 | 2.51% |
| PCF INSURANCE SERVICES OF THE WEST3 | 1233 ALPINE RD WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $729 | — | $729 | 2.49% |
| ENROLLEASE3 Filed as: ENROLLEASE INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR, STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $366 | — | $366 | 1.25% |
| VARIOUS - SEE ATTACHMENT3 | C/O COLONIAL PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $229 | — | $229 | 3.17% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 134 | $3.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 174 | $343K |
| Vision | VISION SERVICE PLAN | 155 | $29K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 174 | $351K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 174 | $343K |
| Prescription drug(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 134 | $3.5M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 174 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.