| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST STE 401 NORTH TOWER SAN FRANCISCO, CA 941071366 | UNITED HEALTHCARE INSURANCE COMPANY | $36K | $0 | $36K | 2.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVE FL 3 NEW YORK, NY 101770506 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVE FL 3 NEW YORK, NY 101770506 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $6K | $6K | 0.41% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 24402 DEPT LN PASADENA, CA 911854402 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $5K | $13K | 7.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL FL 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $41 | $3K | 2.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PL FL 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 545 METRO PLACE SOUTH STE 150 DUBLIN, OH 43017 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 2.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | SUITE 600 505 N BRAND BLVD GLENDALE, CA 91203 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $0 | $2K | $2K | 2.63% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | ZENEFITS DEPT LA 24402 PASADENA, CA 91185 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $828 | $0 | $828 | 1.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 60008 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $21 | $0 | $21 | 0.03% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 365 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $167K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 365 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $167K |
| Short-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 230 | $80K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.