| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOBEL DRIVE SAN DIEGO, CA 92122 | AETNA HEALTH OF CALIFORNIA, INC. | $114K | $0 | $114K | 1.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH BRAND BOULEVARD SUITE 100 GLENDALE, CA 91203 | KAISER FOUNDATION HEALTH PLAN, INC. | $42K | $0 | $42K | 2.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SUITE 2 SAN DIEGO, CA 92121 | UNITED CONCORDIA INSURANCE COMPANY | $13K | $13K | $26K | 6.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOBEL DRIVE SAN DIEGO, CA 92122 | AETNA LIFE INSURANCE COMPANY | $163K | $64K | $227K | 71.80% |
| DANIEL OWEN MACLELLAN3 | 2 NORTH MAIN STREET, SUITE 303 MEDFORD, NJ 08055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 6.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SUITE 2 SAN DIEGO, CA 92121 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 6.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.5 | 6967 SOUTH RIVERGATE DRIVE SUITE 200 MIDVALE, UT 84047 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SUITE 2 SAN DIEGO, CA 92121 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA INC. | $1K | $1K | $3K | 6.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD BLOOMFIELD HILLS, MI 48302 | ARAG INSURANCE COMPANY | $238 | $0 | $238 | 10.02% |
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 | 1,254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA, INC. | 1,185 | $9.2M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 939 | $449K |
| Vision | VISION SERVICE PLAN | 639 | $81K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 883 | $236K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 883 | $236K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 883 | $236K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA, INC. | 1,185 | $9.2M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 883 | $555K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,185 | — |
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.