| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | UNITED HEALTHCARE INSURANCE COMPANY | $17K | $114K | $131K | 2.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $23K | $27K | 0.51% |
| HEFFERNAN INSURANCE BROKERS3 | 5100 S MACADAM SUITE 440 PORTLAND, OR 97239 | GUARDIAN LIFE INSURANCE COMPANY | $24K | $7K | $31K | 7.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1076 HIGHLAND COLONY PARKWAY STE 300 RIDGELAND, MS 39157 | GUARDIAN LIFE INSURANCE COMPANY | $23K | $0 | $23K | 5.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | GUARDIAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 1.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | P.O BOX 3009 ARLINGTON HEIGHTS, IL 60006 | COMBINED INSURANCE | $60K | $0 | $60K | 31.42% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | COMBINED INSURANCE | $25K | $0 | $25K | 13.16% |
| GA SOLUTIONS LLC3 Filed as: CT SOLUTIONS | 3660 S GEYER RD STE 200 SAINT LOUIS, MO 63127 | COMBINED INSURANCE | $575 | $0 | $575 | 0.30% |
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 | 980 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,634 | $5.2M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,634 | $5.6M |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,634 | $5.6M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 1,165 | $431K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 1,165 | $431K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 1,165 | $622K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,634 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.