| 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 | $120K | $88 | $120K | 5.01% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | $1 | $9K | 2.03% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | PREMIER ACCESS INSURANCE COMPANY | $15K | — | $15K | 5.93% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | AETNA HEALTH OF CALIFORNIA INC. | $10K | — | $10K | 4.95% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $2K | — | $2K | 3.62% |
| CHRIS BRANSON3 | 9209 COLBERG DRIVE AUSTIN, TX 78749 | AFLAC | $167 | — | $167 | 7.43% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94696 | AFLAC | $58 | — | $58 | 2.58% |
| ANNA JANICE RUIZ3 | 2596 17TH AVENUE SAN FRANCISCO, CA 94116 | AFLAC | $38 | — | $38 | 1.69% |
| GUILLERMO H PALOMINO3 | 21155 N 56TH STREET, APT 2120 PHOENIX, AZ 85054 | AFLAC | $4 | — | $4 | 0.18% |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 345 | $3.0M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 224 | $251K |
| Vision | VISION SERVICE PLAN | 227 | $53K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 345 | $2.4M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 345 | $2.4M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 345 | $2.4M |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 345 | $3.0M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 345 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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."
No prospect flags tripped on this filing.