| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 3697 MT. DIABLO BLVD., SUITE 150 LAFAYETTE, CA 94549 | WESTERN HEALTH ADVANTAGE | $24K | — | $24K | 4.58% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 2300 CLAYTON ROAD, SUITE 1450 CONCORD, CA 94520 | WESTERN HEALTH ADVANTAGE | $2K | — | $2K | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 3697 MT. DIABLE BLVD., SUITE 300 LAFAYETTE, CA 94549 | SUTTER HEALTH PLAN | $12K | — | $12K | 3.54% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 2300 CLAYTONN ROAD, SUITE 1450 CONCORD, CA 94520 | SUTTER HEALTH PLAN | $5K | — | $5K | 1.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $6K | $17K | 9.37% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: NONSTOP ADMINISTRATION AND INSURANC | 2300 CLAYTON ROAD, SUITE 1450 CONCORD, CA 94520 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.43% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 138 | $844K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $177K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $177K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $177K |
| Prescription drug(2 contracts, 2 carriers) | WESTERN HEALTH ADVANTAGE | 138 | $844K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.