| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 1900 WEST LOOP S SUITE 1600 HOUSTON, TX 770273295 | METROPOLITAN LIFE INSURANCE COMPANY | — | $47K | $47K | 2.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 1390 WILLOW PASS RD STE 800 CONCORD, CA 945207924 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23K | $23K | 1.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | 1111 SUPERIOR AVE STE 1601 CLEVELAND, OH 441142522 | METROPOLITAN LIFE INSURANCE COMPANY | — | $92 | $92 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY STE 400 ATLANTA, GA 30342 | HM LIFE INSURANCE COMPANY | $61K | — | $61K | 3.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1050 CROWN POINTE PKWY STE 600 ATLANTA, GA 30338 | HM LIFE INSURANCE COMPANY | $18K | — | $18K | 0.93% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | HM LIFE INSURANCE COMPANY | $18K | — | $18K | 0.92% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PKWY STE 400 ATLANTA, GA 30342 | RELIASTAR LIFE INSURANCE COMPANY | $349K | — | $349K | 20.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATION, | INC. 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | — | $67K | $67K | 3.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3000 EXECUTIVE PKWY STE 325 SAN RAMON, CA 94583 | RELIASTAR LIFE INSURANCE COMPANY | $14K | — | $14K | 0.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP STE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 2.62% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1111 SUPERIOR AVE STE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $35 | $35 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | — | $1 | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET 7TH FLOOR NEW YORK, NY 10281 | NATIONAL UNION FIRE INC. CO. OF PITTSBURG, PA | $9K | — | $9K | 25.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | — | $118 | $118 | 1.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1900 WEST LOOP S STE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.43% |
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 | 8,140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 136 | $2.0M |
| Vision | VISION SERVICE PLAN | 3,974 | $479K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 8,140 | $2.1M |
| Short-term disability(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,453 | $2.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,453 | $708K |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 136 | $2.0M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 3,608 | $1.9M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,600 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,600 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.