| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE STE 410 CLEVELAND, OH 44113 | BLUE CROSS OF CALIFORNIA | $119K | $2K | $121K | 4.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 N BRAND BLVD 600 GLENDALE, CA 91203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 N BRAND BLVD GLENDALE, CA 91203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $492 | $2K | 9.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 N BRAND BLVD 600 GLENDALE, CA 91203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $851 | $282 | $1K | 9.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 NORTH BRAND BLVD GLENDALE, CA 91203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $256 | $2K | 17.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 N BRAND BLVD GLENDALE, CA 91203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $135 | $1K | 17.02% |
| CHRISTA G AUFDEMBERG INC4 | 13102 BRITTANY WOODS DR TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $484 | $0 | $484 | 7.76% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD STE 1000 ROLLING MEADOWS, IL 60008 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $225 | $0 | $225 | 3.61% |
| MARSH & MCLENNAN AGENCY LLC4 | 2 MORRISSEY BLVD DORCHESTER, MA 02125 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $194 | $0 | $194 | 3.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 N BRAND BLVD 600 GLENDALE, CA 91203 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $421 | $102 | $523 | 12.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 505 N. BRAND BLVD STE 600 GLENDALE, CA 91203 | UNITEDHEALTHCARE INSURANCE COMPANY | $94 | $0 | $94 | 3.51% |
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 | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 238 | $2.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 111 | $190K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 238 | $2.9M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $34K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 54 | $18K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $45K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 238 | $2.9M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.