| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES CORP | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | UNITEDHEALTHCARE INSURANCE COMPANY | $56K | $0 | $56K | 4.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES CORP | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | KAISER FOUNDATION HEALTH PLAN, INC. | $12K | $0 | $12K | 5.10% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 1.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 EAST RIVER PARK PLACE WEST SUITE 605 FRESNO, CA 93720 | HUMANA INSURANCE COMPANY | $10K | $0 | $10K | 9.67% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | HUMANA INSURANCE COMPANY | $629 | $0 | $629 | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 EAST RIVER PARK PLACE WEST SUITE 605 FRESNO, CA 93720 | HUMANADENTAL INSURANCE COMPANY | $390 | $0 | $390 | 9.98% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | HUMANADENTAL INSURANCE COMPANY | $66 | $0 | $66 | 1.69% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $1.4M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 161 | $103K |
| Vision | HUMANA INSURANCE COMPANY | 161 | $99K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $1.1M |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $1.4M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.