| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $29K | $29K | $58K | 2.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SAN DIEGO, CA 92121 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC | $22K | $0 | $22K | 2.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $31K | $0 | $31K | 9.21% |
| JACQUELINE B TIFFER3 Filed as: JACQUELINE TIFFER AND OTHER AGENTS | 15225 SW 140TH STREET MIAMI, FL 33196 | AFLAC | $4K | $10 | $4K | 4.94% |
| SHEILA HALBROOKS3 Filed as: SHEILA L. HALBROOKS | 3686 NW 11TH AVENUE SUNRISE, FL 33351 | AFLAC | $777 | $10 | $787 | 1.06% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $763 | $0 | $763 | 1.03% |
| JANET IBANEZ3 | 17501 SW 92ND COURT PALMETTO BAY, FL 33157 | AFLAC | $680 | $0 | $680 | 0.92% |
| LAUREN SMITH INSURANCE SERVICES INC3 Filed as: LAUREN SMITH INSURANCE SERVICES | 4428 ARIZONA STREET APARTMENT 7 SAN DIEGO, CA 92116 | AFLAC | $498 | $0 | $498 | 0.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $340 | $0 | $340 | 0.46% |
| CK GOHL INSURANCE SOLUTIONS3 | 4610 68TH STREET LA MESA, CA 91942 | AFLAC | $340 | $0 | $340 | 0.46% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE INSURANCE COMPANY | $0 | $2K | $2K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | ACE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
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 | 433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 964 | $8.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 964 | $2.3M |
| Vision | AETNA LIFE INSURANCE COMPANY | 964 | $2.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 433 | $337K |
| Short-term disability | AFLAC | 81 | $74K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 433 | $337K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 964 | $8.4M |
| Other(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 964 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 964 | — |
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."
No prospect flags tripped on this filing.