| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606907219 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 500 N BRAND BLVD STE 100 GLENDALE, CA 912033931 | METROPOLITAN LIFE INSURANCE COMPANY | — | $93 | $93 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 | 300 S GRAND AVE STE 2000 PO BOX 8500 LOS ANGELES, CA 900713109 | METROPOLITAN LIFE INSURANCE COMPANY | — | $56 | $56 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606907219 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 500 N BRAND BLVD STE 100 GLENDALE, CA 912033931 | METROPOLITAN LIFE INSURANCE COMPANY | — | $107 | $107 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $2K | — | $2K | 9.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 181 EAST 5600 SOUTH SUITE 240 SALT LAKE CITY, UT 84107 | METLIFE LEGAL PLANS | — | $301 | $301 | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 705 TOLLGATE ROAD SUITE B ELGIN, IL 60123 | METLIFE LEGAL PLANS | $0 | $106 | $106 | 0.59% |
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 | 1,467 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 1,843 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,806 | $431K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,270 | $267K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS OF CALIFORNIA | 1,843 | $1.2M |
| Other(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 1,843 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,843 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.