| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | AETNA HEALTH INC. | $29K | — | $29K | 4.23% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | AETNA HEALTH INC. | $2K | — | $2K | 0.36% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | AETNA LIFE INSURANCE COMPANY | $21K | — | $21K | 3.69% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.31% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $19K | — | $19K | 3.71% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO. OF CA, INC. | 575 MARKET STREET, SUITE 3600 SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 0.31% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 10.09% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP NEW YORK, NY 10005 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.81% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $6K | — | $6K | 2.67% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL CO., INC. | 32 OLD SLIP NEW YORK, NY 10005 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $686 | — | $686 | 0.28% |
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 | 361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA HEALTH INC. | 93 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 361 | $265K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 361 | $265K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 361 | $265K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 361 | $265K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 361 | $265K |
| Prescription drug(4 contracts, 4 carriers) | AETNA HEALTH INC. | 93 | $2.0M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 361 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.