| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $9K | $24K | 20.21% |
| DANIEL OWEN MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $131 | $15K | 12.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 5.50% |
| DANIEL OWEN MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $129 | $129 | 0.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $7K | $19K | 20.10% |
| DANIEL OWEN MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $100 | $12K | 12.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 14.55% |
| DANIEL OWEN MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $59 | $6K | 10.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.63% |
| DANIEL OWEN MACLELLAN3 Filed as: DANIEL OWEN MACLLELLAN | 515 W HILLWOOD DR NASHVILLE, CA 37205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $53 | $53 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.44% |
| DANIEL OWEN MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $48 | $5K | 10.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | ARAG INSURANCE COMPANY | $75 | — | $75 | 7.81% |
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 | 1,466 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 1,245 | $14.2M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 738 | $602K |
| Vision | VISION SERVICE PLAN | 943 | $133K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,466 | $144K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 205 | $119K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,466 | $106K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 1,245 | $14.2M |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,466 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,466 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.