| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | ANTHEM LIFE INSURANCE COMPANY | $52K | $0 | $52K | 2.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH BRAND BOULEVARD SUITE 100 GLENDALE, CA 91203 | ANTHEM LIFE INSURANCE COMPANY | $52K | $0 | $52K | 2.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $65K | $0 | $65K | 9.52% |
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 | 28,836 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 980 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 5,835 | $18.6M |
| Vision | VISION SERVICE PLAN | 10,988 | $650K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 28,836 | $2.2M |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 28,836 | $2.2M |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 28,836 | $2.2M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 5,835 | $18.6M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 28,836 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,836 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.