| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 3838 CAMINO DEL RIO N., SUITE 315 SAN DIEGO, CA 92108 | AETNA LIFE INSURANCE CO. | $340K | $24K | $364K | 6.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3838 CAMINO DEL RIO N., SUITE 315 SAN DIEGO, CA 92108 | AETNA HEALTH, INC. | $91K | — | $91K | 4.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | MEDIEXCEL HEALTH PLAN | $12K | — | $12K | 4.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 10.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $895 | — | $895 | 103.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65 | — | $65 | 12.82% |
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 | 1,343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 2,175 | $8.0M |
| Dental | AETNA LIFE INSURANCE CO. | 2,175 | $5.8M |
| Vision | AETNA LIFE INSURANCE CO. | 2,175 | $5.8M |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 2,175 | $5.8M |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,175 | $7.7M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 2,175 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,175 | — |
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.