| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 323 WEST LAKESIDE AVENUE STE 410 CLEVELAND, OH 44113 | ANTHEM BLUE CROSS OF CALIFORNIA | $72K | $1K | $73K | 6.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC - | 505 N BRAND BLVD STE 600 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 10.12% |
| GOOD SPORTS PLUS LTD3 | ATTN JENNISHA MAMARIL 370 AMAPOLA AVE STE 208 TORRANCE, CA 90501 | STANDARD INSURANCE COMPANY | $0 | $597 | $597 | 3.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 N BRAND BLVD STE 600 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $868 | $0 | $868 | 10.00% |
| GOOD SPORTS PLUS LTD3 | ATTN JENNISHA MAMARIL 370 AMAPOLA AVE STE 208 TORRANCE, CA 90501 | STANDARD INSURANCE COMPANY | $0 | $340 | $340 | 3.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 N BRAND BLVD STE 600 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $170 | $0 | $170 | 9.98% |
| GOOD SPORTS PLUS LTD3 | ATTN JENNISHA MAMARIL 370 AMAPOLA AVE STE 208 TORRANCE, CA 90501 | STANDARD INSURANCE COMPANY | $0 | $70 | $70 | 4.11% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS OF CALIFORNIA | 148 | $1.2M |
| Dental | ANTHEM BLUE CROSS OF CALIFORNIA | 148 | $1.2M |
| Vision | ANTHEM BLUE CROSS OF CALIFORNIA | 148 | $1.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 160 | $17K |
| Short-term disability | STANDARD INSURANCE COMPANY | 12 | $2K |
| Long-term disability | STANDARD INSURANCE COMPANY | 12 | $9K |
| Other | TELUS HEALTH (US) LTD | 120 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.