| 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. | $331K | $32K | $363K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3838 CAMINO DEL RIO N., SUITE 315 SAN DIEGO, CA 92108 | AETNA HEALTH, INC. | $90K | — | $90K | 5.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | MEDIEXCEL HEALTH PLAN | $12K | — | $12K | 5.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 N BRAND BLVD STE 600 GLENDALE, CA 912033944 | AETNA LIFE INSURANCE CO. | $29K | — | $29K | 25.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $5K | $666 | $6K | 11.31% |
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 | 1,430 | 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) | 1,436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,915 | $7.9M |
| Dental | AETNA LIFE INSURANCE CO. | 1,915 | $6.1M |
| Vision | AETNA LIFE INSURANCE CO. | 1,915 | $6.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,430 | $53K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,915 | $7.7M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,430 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,915 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.