| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL INSURANCE SERVICES | 575 MARKET STREET SUITE 3600 SAN FRANCISCO, CA 94105 | CALIFORNIA PHYSICIANS' SERVICE | $54K | — | $54K | 4.63% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | CALIFORNIA PHYSICIANS' SERVICE | $4K | $4K | $9K | 0.74% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO. OF CALIF., INC. | 575 MARKET STREET, FLOOR 13 SAN FRANCISCO, CA 941052852 | KAISER FOUNDATION HEALTH PLAN INC. | $12K | — | $12K | 2.28% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO. OF CA INC. | 633 FIFTH ST. 26TH FL LOS ANGELES, CA 90071 | UNION SECURITY INSURANCE COMPANY | $11K | $86 | $11K | 4.81% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN GROUP INSURANCE BROKERS | 1350 CARLBACK AVE. WALNUT CREEK, CA 94596 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 0.82% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 116 | $1.7M |
| Dental | UNION SECURITY INSURANCE COMPANY | 185 | $231K |
| Vision | UNION SECURITY INSURANCE COMPANY | 185 | $231K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 185 | $231K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 185 | $231K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 105 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.