| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $41K | $0 | $41K | 3.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 11060 WHITE ROCK ROAD, SUITE 160 RANCHO CORDOVA, CA 95670 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 0.33% |
| HEFFERNAN INSURANCE BROKERS3 | 5100 SOUTH MACADAM, SUITE 440 PORTLAND, OR 97239 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $7K | $16K | 16.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 369 SOUTH ARIZONA AVENUE, SUITE A CHANDLER, AZ 85225 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $886 | $0 | $886 | 0.90% |
| CYNTHIA LUQUIN3 | 2001 EAST FINANCIAL WAY, SUITE 102 GLENDORA, CA 91741 | AFLAC | $3K | $190 | $3K | 6.96% |
| KIMBERLY O. KWOK3 Filed as: KIMBERLY O KWOK | 2044 COBBLEFIELD WAY GLENDORA, CA 91740 | AFLAC | $2K | $171 | $2K | 4.28% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | AFLAC | $1K | $0 | $1K | 2.37% |
| DULCE MARIA MEXIA3 Filed as: DULCE MARIA MEXIA AND OTHER AGENTS | 2220 EAST ROUTE 66, SUITE 215 GLENDORA, CA 91740 | AFLAC | $1K | $0 | $1K | 2.33% |
| DAVID J REESOR3 Filed as: DAVID J. REESOR | 1615 WILSON AVENUE UPLAND, CA 91784 | AFLAC | $523 | $0 | $523 | 1.20% |
| PARKVILLE INS SVCS INC3 Filed as: PARKVILLE INSURANCE SERVICES, INC. | PO BOX 1275 WHITTIER, CA 90609 | AFLAC | $447 | $0 | $447 | 1.03% |
| DAVID M COUGHLIN3 Filed as: DAVID M. COUGHLIN | 2229 WHITE MIST DRIVE LAS VEGAS, NV 89134 | AFLAC | $290 | $60 | $350 | 0.81% |
| JERRY B. RAY4 | 201 KNOXVILLE AVENUE HUNTINGTON BEACH, CA 92648 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $293 | $0 | $293 | 4.66% |
| THE AGURS GROUP INC.4 Filed as: THE AGURS GROUP, INC. | 5721 FRENCH LACE COURT NORTH LAS VEGAS, NV 08908 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $204 | $0 | $204 | 3.25% |
| KIM GOODSITE4 | 3400 AVENUE OF THE ARTS APARTMENT B313 COSTA MESA, CA 92626 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $24 | $0 | $24 | 0.38% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 161 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $98K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $98K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $98K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $142K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $142K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 161 | $1.1M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 171 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.