Welfare broker

HEFFERNAN INSURANCE BROKERS

Mailing address (most recent filing)

1350 CARLBACK AVENUE

WALNUT CREEK, CA 94596

Total comp: $16.2M
Commissions: $14.6M
Fees: $1.5M
Filings: 229
Sponsors: 229

Carrier mix

Where HEFFERNAN INSURANCE BROKERS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

KAISER FOUNDATION HEALTH PLAN INC45.9%
CALIFORNIA PHYSICIANS SERVICE10.2%
BLUE CROSS OF CALIFORNIA10.2%
UNITED HEALTHCARE INSURANCE COMPANY6.1%
CIGNA HEALTH AND LIFE INSURANCE COMPANY6.1%
UNITEDHEALTHCARE INSURANCE COMPANY5.1%
CALIFORNIA CHOICE5.1%
AETNA LIFE INSURANCE COMPANY5.1%
Other (2)6.1%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
KAISER FOUNDATION HEALTH PLAN INC	45	$108.1M	45.9%
CALIFORNIA PHYSICIANS SERVICE	10	$33.0M	10.2%
BLUE CROSS OF CALIFORNIA	10	$24.0M	10.2%
UNITED HEALTHCARE INSURANCE COMPANY	6	$19.6M	6.1%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	6	$25.4M	6.1%
UNITEDHEALTHCARE INSURANCE COMPANY	5	$9.8M	5.1%
CALIFORNIA CHOICE	5	$5.7M	5.1%
AETNA LIFE INSURANCE COMPANY	5	$12.3M	5.1%
SUTTER HEALTH PLAN	3	$4.0M	3.1%
PRINCIPAL LIFE INSURANCE COMPANY	3	$1.3M	3.1%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
CA	96	$232.6M	1.1%	10.46x
OR	8	$6.4M	0.7%	7.15x
MO	4	$286K	0.1%	0.61x
TX	2	$1.6M	0.0%	0.29x
NC	2	$6.0M	0.1%	0.82x
UT	1	$642K	0.1%	1.12x
PA	1	$2.0M	0.0%	0.20x
OH	1	$729K	0.0%	0.07x
NM	1	$7.0M	0.4%	3.89x
CO	1	$278K	0.1%	0.69x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of HEFFERNAN INSURANCE BROKERS's plans by broker comp / premium ratio. Median 5.63% vs welfare-wide median 6.29% (n=116).

Prospect-flag exposure · vs market baseline

Share of HEFFERNAN INSURANCE BROKERS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

101-117 of 117 sponsors where HEFFERNAN INSURANCE BROKERS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
COLORCOAT, INC. COLORCOAT, INC. HEALTH AND WELFARE PLAN	CA	$366K	$21K	UNITED HEALTHCARE INSURANCE COMPANY
THE TOWNSHEND GROUP LLC THE TOWNSHEND GROUP, LLC DBA BREW DR. KOMBUCHA HEALTH & WELFARE BENEFIT PLAN	OR	$1.2M	$20K	REGENCE BLUECROSS BLUESHIELD OF OREGON
OPARC OPARC LIFE & AD&D	CA	$148K	$18K	METROPOLITAN LIFE INSURANCE COMPANY
HYDRAULIC CONTROLS, INC. HYDRAULIC CONTROLS, INC.	CA	$0	$16K	SYMETRA LIFE INSURANCE COMPANY
CRAFTFORCE SERVICES INC. CRAFTFORCE SERVICES HEALTH AND WELFARE PLAN	CA	$258K	$15K	BLUE CROSS OF CALIFORNIA
GREENWASTE RECOVERY, LLC GREENWASTE RECOVERY EMPLOYEE BENEFIT PLAN	CA	$12.6M	$13K	CIGNA HEALTH AND LIFE INSURANCE COMPANY
FLOYDS 99 HOLDINGS, LLC FLOYDS 99 HOLDINGS, LLC HEALTH AND WELFARE PLAN	CO	$278K	$11K	UNUM LIFE INSURANCE COMPANY OF AMERICA
MG RESTAURANTS, INC. MG RESTAURANTS, INC. HEALTH AND WELFARE PLAN	CA	$84K	$10K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
SUNNYHILL, INC. SUNNYHILL, INC. DENTAL PLAN	MO	$73K	$8K	HUMANA INSURANCE COMPANY
BULLSEYE GLASS CO. BULLSEYE GLASS CO. HEALTH AND WELFARE	OR	$91K	$8K	KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST
SACRAMENTO CHILDREN'S HOME, INC. SACRAMENTO CHILDRENS HOME EMPLOYEE BENEFIT PLAN	CA	$2.4M	$5K	KAISER FOUNDATION HEALTH PLAN INC.
SUNNYHILL, INC. SUNNYHILL, INC. GROUP TERM LIFE INSURANCE PLAN	MO	$28K	$4K	HUMANA INSURANCE COMPANY
VISTA METALS, CORP. VISTA METALS UNION DENTAL AND LIFE PLANS	CA	$98K	$3K	SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION
HEFFERNAN INSURANCE BROKERS HEFFERNAN INSURANCE BROKERS WELFARE BENEFITS PLAN	CA	$568K	$2K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
BARENBRUG USA, INC. BARENBRUG USA, INC. HEALTH AND WELFARE PLAN	OR	$155K	$2K	PRINCIPAL LIFE INSURANCE COMPANY
POLLY'S INC. POLLY'S INC. AD&D, DISABILITY AND LIFE INSURANCE	CA	$17K	$2K	EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA
SUNNYHILL, INC. SUNNYHILL, INC. VISION PLAN	MO	$14K	$1K	HUMANA INSURANCE COMPANY