| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN DRUMMOND3 | 2784 HOMESTEAD RD # 119 SANTA CLARA, CA 950515353 | KAISER FOUNDATION HEALTH PLAN INC. | $81K | — | $81K | 4.99% |
| CLAREMONT BUSINESS GROUP3 Filed as: CLAREMONT BUSINESS GROUP INC | 1000 BURNETT AVE STE 440 CONCORD, CA 945202088 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 4.93% |
| BRIAN DRUMMOND3 | 2784 HOMESTEAD RD STE 119 SANTA CLARA, CA 950515353 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.35% |
| STONE MEADOW BENEFITS LLC3 | 50 WOODSIDE PLZ STE 553 REDWOOD CITY, CA 940612500 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.35% |
| BRIAN DRUMMOND3 Filed as: BRIAN ROBERT DRUMMOND | 2784 HOMESTEAD RD STE 119 SANTA CLARA, CA 950515353 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.78% |
| 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 | $4K | — | $4K | 3.78% |
| STONE MEADOW BENEFITS LLC3 Filed as: STONE MEADOW BENEFITS & INS | ASSOCIATES 50 WOODSIDE PLAZA #553 REDWOOD CITY, CA 94061 | VISION SERVICE PLAN | $1K | — | $1K | 7.84% |
| FRANCHISE TAX BOARD3 | PO BOX 942867 SACRAMENTO, CA 94267 | VISION SERVICE PLAN | $357 | — | $357 | 2.28% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 262 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 433 | $174K |
| Vision | VISION SERVICE PLAN | 75 | $16K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $96K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $96K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.