| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4100 NEWPORT PLACE, SUITE 650 NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $49K | — | $49K | 4.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4100 NEWPORT PLACE, SUITE 650 NEWPORT BEACH, CA 92660 | AETNA HEALTH, INC. | $27K | — | $27K | 4.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4100 NEWPORT PLACE, SUITE 650 NEWPORT BEACH, CA 92660 | GUARDIAN | $18K | $8K | $26K | 14.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4100 NEWPORT PLACE, SUITE 650 NEWPORT BEACH, CA 92660 | STANDARD INSURANCE COMPANY | $5K | $629 | $5K | 15.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4100 NEWPORT PLACE, SUITE 650 NEWPORT BEACH, CA 92660 | STANDARD INSURANCE COMPANY | $3K | $562 | $4K | 12.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4100 NEWPORT PLACE, SUITE 650 NEWPORT BEACH, CA 92660 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4100 NEWPORT PLACE, SUITE 650 NEWPORT BEACH, CA 92660 | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | $910 | — | $910 | 15.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4100 NEWPORT PLACE, SUITE 650 NEWPORT BEACH, CA 92660 | STANDARD INSURANCE COMPANY | $531 | $107 | $638 | 13.20% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 199 | $1.9M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 135 | $325K |
| Vision | VISION SERVICE PLAN | 134 | $21K |
| Life insurance | STANDARD INSURANCE COMPANY | 187 | $31K |
| Short-term disability(2 contracts, 2 carriers) | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 30 | $11K |
| Long-term disability | STANDARD INSURANCE COMPANY | 187 | $35K |
| Prescription drug(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 199 | $1.9M |
| Other | STANDARD INSURANCE COMPANY | 187 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.