| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC. | 1039-A N MCDOWELL BLVD. PETALUMA, CA 94954 | BLUE CROSS OF CALIFORNIA | $116K | — | $116K | 4.89% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS FARGO INS SVCS USA INC. | 1039-A N MCDOWELL BLVD. PETALUMA, CA 94954 | KAISER FOUNDATION HEALTH PLAN INC. | $38K | — | $38K | 2.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC. | 1039-A N MCDOWELL BLVD. PETALUMA, CA 94954 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 2.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC. | 1039-A N MCDOWELL BLVD. PETALUMA, CA 94954 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $8K | $18K | 3.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 330 MADISON AVENUE NEW YORK, NY 10017 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $25K | — | $25K | 8.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC. | 1039-A N MCDOWELL BLVD. PETALUMA, CA 94954 | VISION SERVICE PLAN | $3K | — | $3K | 2.62% |
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 | 727 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 273 | $4.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,141 | $507K |
| Vision | VISION SERVICE PLAN | 544 | $97K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 720 | $302K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 720 | $302K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 720 | $302K |
| Prescription drug(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 273 | $4.5M |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 720 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,141 | — |
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."
No prospect flags tripped on this filing.