| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN DRUMMOND3 | 2784 HOMESTEAD RD # 119 SANTA CLARA, CA 950515353 | KAISER FOUNDATION HEALTH PLAN INC. | $74K | — | $74K | 5.00% |
| CLAREMONT BUSINESS GROUP3 Filed as: CLAREMONT BUSINESS GROUP INC | 2999 OAK RD STE 810 WALNUT CREEK, CA 945972082 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $328 | $8K | 5.20% |
| BRIAN DRUMMOND3 | 2784 HOMESTEAD RD STE 119 SANTA CLARA, CA 950515353 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.40% |
| STONE MEADOW BENEFITS LLC3 | 50 WOODSIDE PLZ STE 553 REDWOOD CITY, CA 940612500 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.40% |
| BRIAN DRUMMOND3 Filed as: BRIAN ROBERT DRUMMOND | 2784 HOMESTEAD RD STE 119 SANTA CLARA, CA 950515353 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.05% |
| STONE MEADOW BENEFITS LLC3 Filed as: STONE MEADOW BENEFITS & INSURANCE | ASSOCIATES LLC 50 WOODSIDE PLZ STE 553 REDWOOD CITY, CA 940612500 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.05% |
| STONE MEADOW BENEFITS LLC3 Filed as: STONE MEADOW BENEFITS & INS | ASSOCIATES 50 WOODSIDE PLAZA #553 REDWOOD CITY, CA 94061 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 217 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 373 | $160K |
| Vision | VISION SERVICE PLAN | 53 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $77K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 373 | $237K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 138 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.