| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH SANTA FE VISALIA, CA 93292 | CALIFORNIA PHYSICIANS SERVICE | $0 | $60K | $60K | 5.26% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 8000 NORMAN CENTER DRIVE, SUITE 605 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $775 | $5K | 6.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $107 | $3K | 4.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA COMPANY | $623 | $0 | $623 | 10.02% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 8000 NORMAN CENTER DRIVE, SUITE 605 BLOOMINGTON, MN 55437 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA COMPANY | $312 | $62 | $374 | 6.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA COMPANY | $0 | $95 | $95 | 1.53% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 157 | $1.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $84K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $49K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $49K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $49K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 157 | $1.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.