| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 3.37% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS INC | 2677 N MAIN ST, STE 800 SANTA ANA, CA 92705 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $19K | $19K | 2.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BLVD, STE 600 PLEASANT HILL, CA 94523 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 2.15% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | — | $9K | 1.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BLVD, STE 600 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | — | $6K | 1.19% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 5.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BLVD, STE 600 PLEASANT HILL, CA 94523 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.82% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $534 | $3K | 14.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BLVD, STE 600 PLEASANT HILL, CA 94523 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.64% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $218 | $329 | $547 | 4.59% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BLVD, STE 600 PLEASANT HILL, CA 94523 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $139 | — | $139 | 1.17% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $297 | $2K | 16.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BLVD, STE 600 PLEASANT HILL, CA 94523 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $899 | — | $899 | 8.90% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $342 | $128 | $470 | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BLVD, STE 600 PLEASANT HILL, CA 94523 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $221 | — | $221 | 4.70% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 79 | $1.2M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $92K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $12K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 79 | $1.2M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.