| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLGAHER3 | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC. | $70K | $46 | $70K | 1.98% |
| BENEFITS EXCHANCE ALLIANCE3 | 23716 BIRTHCER DRIVE LAKE FOREST, CA 92630 | KAISER FOUNDATION HEALTH PLAN INC. | $55K | — | $55K | 1.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | CALIFORNIA PHYSICIANS SERVICE | $91K | $86 | $91K | 2.93% |
| ADSH INVESTMENTS3 Filed as: ADSH INVESTMENT II, INC. | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | CALIFORNIA PHYSICIANS SERVICE | $64K | — | $64K | 2.07% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $7K | $22K | 9.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 5.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | SIMNSA | $3K | — | $3K | 2.97% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | SIMNSA | $2K | — | $2K | 2.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | GUARDIAN | $6K | — | $6K | 5.75% |
| BENEFITS EXCHANGE ALLIANCE3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | GUARDIAN | $5K | — | $5K | 4.63% |
| PROFRESSIONAL PENSION & BENEFIT3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | VISION SERVICE PLAN | $1K | — | $1K | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | VISION SERVICE PLAN | $979 | — | $979 | 1.23% |
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 | 1,538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 583 | $6.7M |
| Dental | GUARDIAN | 1,103 | $107K |
| Vision | VISION SERVICE PLAN | 1,042 | $79K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,706 | $231K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,706 | $231K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,706 | $231K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 583 | $6.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,706 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,706 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.