| 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 | $58K | — | $58K | 4.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | AETNA HEALTH, INC. | $31K | $10K | $41K | 5.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. | 4100 NEWPORT PLACE DRIVE, SUITE 650 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | — | $2K | 3.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1255 BATTERY ST., SUITE 450 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 14.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | — | $730 | $730 | 1.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1255 BATTERY STREET, SUITE 450 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 11.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | — | $645 | $645 | 1.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4100 NEWPORT PLACE, SUITE 650 NEWPORT BEACH, CA 92660 | GUARDIAN | $15K | $9K | $24K | 87.69% |
| 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. | $850 | — | $850 | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1255 BATTERY STREET, SUITE 450 NEWPORT BEACH, CA 92660 | STANDARD INSURANCE COMPANY | $578 | — | $578 | 12.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | — | $98 | $98 | 2.05% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 237 | $2.3M |
| Dental(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION - HMSA | 164 | $203K |
| Vision | VISION SERVICE PLAN | 157 | $23K |
| Life insurance | STANDARD INSURANCE COMPANY | 213 | $37K |
| Short-term disability(2 contracts, 2 carriers) | PACIFIC GUARDIAN LIFE INSURANCE COMPANY, LTD. | 28 | $10K |
| Long-term disability | STANDARD INSURANCE COMPANY | 213 | $38K |
| Prescription drug(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 237 | $2.3M |
| Other | STANDARD INSURANCE COMPANY | 213 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.