| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE, SUITE 200 WALNUT CREEK, CA 94596 | BLUE CROSS OF CALIFORNIA | $96K | $7K | $103K | 3.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | BLUE CROSS OF CALIFORNIA | $52K | $0 | $52K | 1.62% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | BLUE CROSS OF CALIFORNIA | $12K | $0 | $12K | 0.39% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $41K | $0 | $41K | 3.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS. SVCES. | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $0 | $13K | 1.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN INC | $10K | $1 | $10K | 0.79% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE, SUITE 200 WALNUT CREEK, CA 94596 | UNUM LIFE INSURANCE COMPANY OF AMEIRCA | $27K | $0 | $27K | 12.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 548 WEST CROMWELL AVENUE FRESNO, CA 93711 | UNUM LIFE INSURANCE COMPANY OF AMEIRCA | $6K | $626 | $6K | 2.96% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | HEALTHIEST YOU | $493 | $0 | $493 | 8.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | HEALTHIEST YOU | $352 | $0 | $352 | 6.25% |
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 | 801 | 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) | 801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,094 | $4.5M |
| Dental | BLUE CROSS OF CALIFORNIA | 1,094 | $3.2M |
| Vision | BLUE CROSS OF CALIFORNIA | 1,094 | $3.2M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,094 | $3.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMEIRCA | 205 | $211K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMEIRCA | 205 | $211K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,094 | $4.5M |
| Other(5 contracts, 5 carriers) | BLUE CROSS OF CALIFORNIA | 1,094 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,094 | — |
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.