| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $173K | $0 | $173K | 6.36% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS, LLC | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $79K | $0 | $79K | 2.88% |
| SAMIR H. SHETH3 Filed as: SAMIR SHETH | 1000 WILSHIRE BOULEVARD, SUITE 1830 LOS ANGELES, CA 90017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39K | $0 | $39K | 1.44% |
| RICHARD C. CALLISTER3 | 4929 HILLARD AVENUE LA CANADA, CA 91011 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39K | $0 | $39K | 1.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 5600 WEST 83RD STREET 8200 TOWER, SUITE 1100 BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $111K | $0 | $111K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | UNKNOWN MARINA DEL REY, CA 90292 | DELTA DENTAL OF CALIFORNIA | $10K | $0 | $10K | 2.34% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS, LLC | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.67% |
| SAMIR H. SHETH3 | 1000 WILSHIRE BOULEVARD, SUITE 250 LOS ANGELES, CA 90017 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.25% |
| RICHARD C. CALLISTER3 | 515 SOUTH FLOWER STREET, 18TH FLOOR LOS ANGELES, CA 90071 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $806 | $0 | $806 | 0.83% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS, LLC | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.54% |
| SAMIR H. SHETH3 Filed as: SAMIR SHETH | 1000 WILSHIRE BOULEVARD, SUITE 1830 LOS ANGELES, CA 90017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.27% |
| RICHARD C. CALLISTER3 | 4929 HILLARD AVENUE LA CANADA, CA 91011 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $619 | $0 | $619 | 0.91% |
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 | 724 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 918 | $430K |
| Vision | BLUE CROSS OF CALIFORNIA | 953 | $46K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,459 | $97K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 251 | $68K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $2.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,459 | $836K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,459 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.