| 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 HEALTH, INC. | $1 | $112K | $112K | 0.72% |
| 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. | $9 | $8K | $8K | 0.66% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 5.00% |
| DANIEL MACLELLAN3 | P.O. BOX 58434 NASHVILLE, TN 37205 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | — | $54K | 33.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $1K | $46K | 28.49% |
| DANIEL MACLELLAN3 | P.O. BOX 58434 NASHVILLE, TN 37205 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 30.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $394 | $16K | 25.54% |
| DANIEL MACLELLAN3 | P.O. BOX 58434 NASHVILLE, TN 37205 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 23.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $288 | $11K | 19.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $309 | $4K | 8.64% |
| DANIEL MACLELLAN3 | P.O. BOX 58434 NASHVILLE, TN 37205 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.16% |
| DANIEL OWEN MACLELLAN3 Filed as: DANIEL O. MACLELLAN | P.O. BOX 58434 NASHVILLE, TN 37205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | -$63 | $4K | 10.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $949 | $38 | $987 | 2.33% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S. HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $942 | — | $942 | 2.23% |
| DANIEL OWEN MACLELLAN3 Filed as: DANIEL O. MACLELLAN | P.O. BOX 58434 NASHVILLE, TN 37205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.74% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S. HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $396 | — | $396 | 5.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $167 | $13 | $180 | 2.52% |
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 | 1,877 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,880 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 3,108 | $16.9M |
| Dental | AETNA LIFE INSURANCE CO. | 2,946 | $1.3M |
| Vision | VISION SERVICE PLAN | 1,177 | $156K |
| Life insurance(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,877 | $317K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 662 | $203K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,877 | $232K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 3,108 | $16.9M |
| Other(5 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,877 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,108 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.