| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN, INC. | $18K | — | $18K | 4.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMIN INC | 721 S PARKER ST, STE 300 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | — | $6K | 1.51% |
| RONALD HUPERT3 Filed as: RONALD HUPPERT | 925 YGNACIO VALLEY RD, STE 103D WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 1.06% |
| JACK NOVICIO INSURANCE AGENCY INC3 | 2745 CROSBY WAY SACRAMENTO, CA 95815 | KAISER FOUNDATION HEALTH PLAN, INC. | $188 | — | $188 | 0.04% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | SUTTER HEALTH PLAN | $5K | — | $5K | 4.00% |
| RONALD HUPERT3 | 925 YGNACIO VALLEY RD, STE 103D WALNUT CREEK, CA 94596 | SUTTER HEALTH PLAN | $1K | — | $1K | 1.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMIN, INC | 721 S PARKER ST, STE 300 ORANGE, CA 92868 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.00% |
| RONALD HERBERT HUPPERT3 | 986 ROSEHEDGE COURT CONCORD, CA 94521 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $934 | — | $934 | 1.08% |
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 | 130 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 84 | $557K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $87K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $87K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $87K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 84 | $557K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.