| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | AETNA LIFE INSURANCE CO. | $88K | — | $88K | 3.32% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE INC. | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | AETNA HEALTH, INC. | $61K | — | $61K | 3.22% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA HEALTH, INC. | $5K | — | $5K | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 13.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 505 N. BRAND BLVD., 6TH FLOOR GLENDALE, IL 91203 | AMERITAS LIFE INSURANCE CORP. | $4K | $558 | $5K | 11.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AMERITAS LIFE INSURANCE CORP. | $402 | — | $402 | 0.90% |
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 | 375 | 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) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 633 | $4.5M |
| Dental | AETNA LIFE INSURANCE CO. | 633 | $2.7M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 328 | $45K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 375 | $176K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 375 | $176K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 633 | $4.5M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 375 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 633 | — |
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.