| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 EAST RIVER PARK PLACE WEST 6TH FLOOR FRESNO, CA 93720 | CALIFORNIA PHYSICIANS SERVICE | $186K | $3K | $189K | 4.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | KAISER FOUNDATION HEALTH PLAN INC | $36K | — | $36K | 3.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3697 MOUNT DIABLO BOULEVARD SUITE 300 LAFAYETTE, CA 94579 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52K | — | $52K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $6K | $22K | 14.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 9.55% |
| KACY D. HILL3 | 10588 SOUTH OZARKS DRIVE SOUTH JORDAN, UT 84009 | AFLAC | $2K | $42 | $2K | 5.20% |
| LILY FREGOSO3 | 340 EAST 2ND STREET, SUITE 310 LOS ANGELES, CA 90012 | AFLAC | $2K | — | $2K | 5.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | AFLAC | $2K | — | $2K | 5.00% |
| MJ INSURANCE3 Filed as: STEVEN R. HANSON AND VARIOUS AGENTS | 340 EAST 2ND STREET, SUITE 310 LOS ANGELES, CA 90012 | AFLAC | $2K | $39 | $2K | 4.89% |
| CRICKET INSURANCE CORPORATION3 | 6573 SOUTH EVENING GLOW COURT WEST VALLEY, UT 84081 | AFLAC | $880 | $8 | $888 | 2.45% |
| OSCAR FREGOSO3 | 340 EAST 2ND STREET, SUITE 310 LOS ANGELES, CA 90012 | AFLAC | $872 | — | $872 | 2.41% |
| MARC MICKELSEN3 Filed as: MARC MICKELSON | 8180 SOUTH 700 EAST, SUITE 120 SANDY, UT 84070 | AFLAC | $474 | — | $474 | 1.31% |
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 | 655 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 1,375 | $5.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 605 | $516K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,530 | $55K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 655 | $160K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 655 | $160K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 655 | $160K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 1,375 | $5.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 655 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,530 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.