| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | AETNA LIFE INSURANCE COMPANY | $100K | $5K | $105K | 5.06% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | — | $16K | 5.05% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | PREMIER ACCESS INSURANCE COMPANY | $15K | — | $15K | 6.40% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | AETNA HEALTH OF CALIFORNIA INC. | $10K | — | $10K | 4.53% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $2K | — | $2K | 3.71% |
| BANNZAI INS SOLUTIONS INC3 | 9209 COLBERG DRIVE AUSTIN, TX 78749 | AFLAC | $264 | — | $264 | 7.44% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94696 | AFLAC | $92 | — | $92 | 2.59% |
| ANNA JANICE RUIZ3 | 2596 17TH AVENUE SAN FRANCISCO, CA 94116 | AFLAC | $60 | — | $60 | 1.69% |
| GUILLERMO H PALOMINO3 | 21155 N 56TH STREET, APT 2120 PHOENIX, AZ 85054 | AFLAC | $7 | — | $7 | 0.20% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | BLUE CROSS OF CALIFORNIA | $9K | $3K | $11K | — |
| AMWINS3 Filed as: LISI, INC. | 1600 W HILLSDALE BLVD. SAN MATEO, CA 94402 | BLUE CROSS OF CALIFORNIA | — | $3K | $3K | — |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 344 | $2.6M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 202 | $231K |
| Vision | VISION SERVICE PLAN | 200 | $51K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 344 | $2.1M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 344 | $2.1M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 344 | $2.1M |
| Prescription drug(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 344 | $2.6M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 344 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.