| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SRVC INC | 6300 S. SYRACUSE WAY STE 700 CENTENNIAL, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $108K | — | $108K | 2.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVE STE 200 IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $108K | — | $108K | 2.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 10505 SORRENTO VALLEY RD STE 200 SAN DIEGO, CA 92121 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO & CALIFORNIA | $4K | — | $4K | 6.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | TWO PIERCE PLACE ITASCA, IL 60143 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO & CALIFORNIA | $2K | $2K | $4K | 5.67% |
| G.S. LEVINE INSURANCE SERVICES, INC0 | 10505 SORRENTO VALLEY RD, SUITE 200 SAN DIEGO, CA 921211619 | FOUR EVER LIFE INS CO. | $1K | $561 | $2K | 12.00% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 229 | $4.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 229 | $4.3M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO & CALIFORNIA | 325 | $64K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO & CALIFORNIA | 325 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.