| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERV USA INC (CA) | 2150 HAWTHORNE BLVD STE 600 13TH FLOOR TORRANCE, CA 90503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERV USE INC (CA) | 2150 HAWTHORNE BLVD STE 600 13TH FLOOR TORRANCE, CA 90503 | CIGNA HEALTHCARE OF CALIFORNIA | $52K | — | $52K | 16.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 21250 HAWTHORNE BLVD STE 600 13TH FLOOR TORRANCE, CA 90503 | HARTFORD LIFE AND ACCIDENT | $21K | — | $21K | 7.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 10 SOUTH WACKER DRIVE FLOOR 17 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 1.44% |
| SAMIR H. SHETH3 Filed as: SAMIR H SHETH | 1000 WILSHIRE BLVD SUITE 1830 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 1.33% |
| BRET M BOEGER3 | 4747 WEST 135TH STE 350 LEEWOOD, KS 66224 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 1.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA, INC. | PO BOX 39000 SAN FRANCISCO, CA 941390001 | VISION SERVICE PLAN | $1K | — | $1K | 2.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CALIFORNIA, INC. | PO BOX 101162 PASADENA, CA 911891162 | VISION SERVICE PLAN | $230 | — | $230 | 0.41% |
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 | 475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTHCARE OF CALIFORNIA | 466 | $321K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 792 | $753K |
| Vision | VISION SERVICE PLAN | 352 | $57K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 490 | $277K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 490 | $277K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 490 | $277K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 792 | $753K |
| Other | HARTFORD LIFE AND ACCIDENT | 490 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 792 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.