| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | BLUE CROSS OF CALIFORNIA | $63K | $20K | $83K | 5.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $54 | $7K | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $979 | $979 | 1.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14 | $14 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $2K | $0 | $2K | 5.40% |
| JD HOLDER ENTERPRISES INC3 Filed as: JD HOLDER ENTERPRISES, INC. | 8220 UNIVERSITY AVENUE, SUITE 200 LA MESA, CA 91942 | AFLAC | $1K | $66 | $1K | 3.91% |
| STEPHANIE MARIE DERAN3 | 1059 EAST BRADLEY AVENUE APARTMENT 102 EL CAJON, CA 92021 | AFLAC | $872 | $0 | $872 | 2.40% |
| DELMA M. CLOYD3 | 8220 UNIVERSITY AVENUE LA MESA, CA 91942 | AFLAC | $527 | $207 | $734 | 2.02% |
| JACQUELYN E. K. HOLDER3 Filed as: JACQUELYN E.K. HOLDER | 8220 UNIVERSITY AVENUE, SUITE 200 LA MESA, CA 91942 | AFLAC | $600 | $121 | $721 | 1.98% |
| MJ INSURANCE3 Filed as: HAKIM CROSBY AND VARIOUS AGENTS | 3944 MURPHY CANYON ROAD, SUITE C203 SAN DIEGO, CA 92123 | AFLAC | $618 | $66 | $684 | 1.88% |
| WHITNEY L MILLWOOD3 Filed as: WHITNEY L. MILLWOOD | 3944 MURPHY CANYON ROAD, SUITE C203 SAN DIEGO, CA 92123 | AFLAC | $562 | $0 | $562 | 1.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $3K | $0 | $3K | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $447 | $447 | 1.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SUITE 200 SAN DIEGO, CA 92121 | MEDIEXCEL HEALTH PLAN | $1K | $0 | $1K | 4.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SUITE 200 SAN DIEGO, CA 92121 | MAGELLAN HEALTH | $354 | $0 | $354 | 5.00% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 275 | $1.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $103K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 229 | $71K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 275 | $1.6M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 275 | $1.6M |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 347 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.