| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | UNITEDHEALTHCARE INSURANCE COMPANY | $50K | $0 | $50K | 5.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $7K | $7K | 0.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $0 | $12K | 4.53% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 1.43% |
| PENNIALL MANAGEMENT COMPANY, LLC3 Filed as: PENNIALL MANAGEMENT COMPANY LLC | PO BOX 7001 PASADENA, CA 91109 | KAISER FOUNDATION HEALTH PLAN INC | $428 | $0 | $428 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 EAST RIVER PARK PLACE WEST SUITE 605 FRESNO, CA 93720 | HUMANA INSURANCE COMPANY | $11K | $0 | $11K | 10.03% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | HUMANA INSURANCE COMPANY | $0 | $482 | $482 | 0.43% |
| PENNIALL MANAGEMENT COMPANY, LLC3 | 123 SOUTH MARENGO AVENUE, SUITE U PASADENA, CA 91101 | HUMANA INSURANCE COMPANY | -$37 | $0 | -$37 | -0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 EAST RIVER PARK PLACE WEST SUITE 605 FRESNO, CA 93720 | HUMANADENTAL INSURANCE COMPANY | $716 | $0 | $716 | 10.72% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | HUMANADENTAL INSURANCE COMPANY | $0 | $84 | $84 | 1.26% |
| PENNIALL MANAGEMENT COMPANY, LLC3 | 123 SOUTH MARENGO AVENUE, SUITE U PASADENA, CA 91101 | HUMANADENTAL INSURANCE COMPANY | -$13 | $0 | -$13 | -0.19% |
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 | 211 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 188 | $1.2M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 179 | $120K |
| Vision | HUMANA INSURANCE COMPANY | 179 | $113K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 188 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.