| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 PARK CENTRAL 7 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $97K | $46K | $143K | 12.27% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | 2300 CONTRA COSTA BOULEVARD SUITE 525 PLEASANT HILL, CA 94523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $650 | $2K | 0.15% |
| DOUGLAS GEORGE KEELER3 | UNKNOWN DODGE COURT PLATTSMOUTH, NE 68048 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.15% |
| SHAWN J KEELER3 Filed as: SHAWN J. KEELER | 7428 SOUTH 95TH STREET LA VISTA, NE 68128 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $159 | $0 | $159 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: CLARENCE GALLAGHER | 8605 EMERSON ROAD PLATTSMOUTH, NE 68048 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $159 | $0 | $159 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1901 BUTTERFIELD ROAD, SUITE 450 DOWNERS GROVE, IL 60515 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | $6K | $0 | $6K | 2.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1901 BUTTERFIELD ROAD, SUITE 450 DOWNERS GROVE, IL 60515 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $845 | $0 | $845 | 2.00% |
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 | 1,136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 276 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,136 | $1.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,136 | $1.2M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,136 | $1.2M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,136 | $1.2M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,136 | $1.2M |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 276 | $1.9M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,136 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,136 | — |
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."
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.