| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE SUITE 200 BELLEVUE, WA 98004 | PACIFICSOURCE | $79K | $0 | $79K | 2.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE SUITE 200 BELLEVUE, WA 98004 | LIFEMAP ASSURANCE COMPANY | $32K | $0 | $32K | 11.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE SUITE 200 BELLEVUE, WA 98004 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE SUITE 200 BELLEVUE, WA 98004 | TRANSAMERICA LIFE INSURANCE COMPANY | $385 | $0 | $385 | 4.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SAN DIEGO, CA 92121 | TRANSAMERICA LIFE INSURANCE COMPANY | $55 | $0 | $55 | 0.64% |
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 | 2,707 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,711 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PACIFICSOURCE | 548 | $3.1M |
| Dental | PACIFICSOURCE | 463 | $3.1M |
| Vision | VISION SERVICE PLAN | 435 | $80K |
| Life insurance(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 2,707 | $280K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 2,707 | $271K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 2,707 | $271K |
| Prescription drug | PACIFICSOURCE | 463 | $3.1M |
| Other | LIFEMAP ASSURANCE COMPANY | 2,707 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,707 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.