| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD RADNOR, PA 19087 | RELIANCE LIFE INSURANCE COMPANY | $204K | $18K | $222K | 9.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | BLUE CROSS OF CALIFORNIA | $52K | — | $52K | 4.55% |
| FNBC INC3 Filed as: FNBC, INC. | 5311 PATTERSON AVENUE RICHMOND, VA 23226 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $12K | — | $12K | 1.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND AVENUE, SUITE 400 KANSAS CITY, MO 64108 | AETNA LIFE INSURANCE COMPANY | — | $113 | $113 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD WAYNE, PA 19087 | BLUE CROSS OF CALIFORNIA | $14K | — | $14K | 4.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 4.64% |
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 | 3,909 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,956 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 123 | $2.4M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 2,496 | $1.3M |
| Vision | VISION SERVICE PLAN | 2,366 | $277K |
| Life insurance | RELIANCE LIFE INSURANCE COMPANY | 3,909 | $2.4M |
| Short-term disability | RELIANCE LIFE INSURANCE COMPANY | 3,909 | $2.4M |
| Long-term disability | RELIANCE LIFE INSURANCE COMPANY | 3,909 | $2.4M |
| Prescription drug(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 123 | $2.4M |
| Other(3 contracts, 3 carriers) | RELIANCE LIFE INSURANCE COMPANY | 4,795 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,795 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.