| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 SMITH RANCH ROAD SAN RAFAEL, CA 94903 | HCC LIFE INSURANCE COMPANY | $101K | — | $101K | 7.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF CA IN | 3697 MT DIABLO BOULEVARD, SUITE 200 LAFAYETTE, CA 94549 | HCC LIFE INSURANCE COMPANY | $24K | — | $24K | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF CALIF | 45 E RIVER PARK PL W STE 605 FRESNO, CA 93720 | HCC LIFE INSURANCE COMPANY | $17K | — | $17K | 1.18% |
| HEALTHNOW ADMINISTRATIVE SERVICES5 | 801 LAKEVIEW DR, SUITE 301 BLUE PELL, PA 19422 | BLUE SHIELD OF CA | — | $54K | $54K | 3.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 E RIVER PARK PL W STE 6005 FRESNO, CA 372091565 | BLUE SHIELD OF CA | $32K | — | $32K | 2.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 E RIVER PARK PL W STE 605 FRESNO, CA 93720 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 3.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 2.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 369 S ARIZONA AVE SUITE A CHANDLER, AZ 85225 | GUARDIAN | $102K | — | $102K | 74.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 E RIVER PARK PL W STE 6005 FRESNO, CA 93720 | PREMIER ACCESS INSURANCE COMPANY | $6K | — | $6K | 18.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | EYE MED | $3K | — | $3K | 9.03% |
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 | 1,613 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 779 | $1.4M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 1,615 | $34K |
| Vision(2 contracts, 2 carriers) | EYE MED | 1,615 | $39K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 872 | $283K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 872 | $419K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 872 | $283K |
| Prescription drug | ENVISIONRX | 1,637 | $2.1M |
| Stop-loss / reinsurancereinsurance | BLUE SHIELD OF CA | 773 | $1.4M |
| Other(3 contracts, 3 carriers) | ENVISIONRX | 1,637 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,637 | — |
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.