| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH BRAND BOULEVARD STE 100 GLENDALE, CA 91203 | KAISER FOUNDATION HEALTH PLAN, INC. | $74K | $0 | $74K | 4.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD STE 200 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN, INC. | -$5K | $0 | -$5K | -0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $105K | $0 | $105K | 23.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 21ST FLOOR ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $31K | $0 | $31K | 9.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD STE 1000 10TH FLOOR ROLLING MEADOW, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $2K | $11K | 11.18% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN AVE IRVINE, CA 92612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $539 | $0 | $539 | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN AND ASSOCIATES | 2355 CRENSHAW BLVD #200 TORRANCE, CA 90501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $163 | $0 | $163 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | ACCTS 2355 CRENSHAW BLVD SUITE 200 TORRANCE, CA 90501 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $144 | $0 | $144 | 0.24% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 701 B ST FL 6 SAN DIEGO, CA 92101 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $129 | $0 | $129 | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 33.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN ASSOCIATES | PO BOX 4328 TORRANCE, CA 90501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $130 | $0 | $130 | 0.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 333 SOUTH HOPE ST STE 3600 LOS ANGELES, CA 90071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 32.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN ASSOCIATES | PO BOX 4328 TORRANCE, CA 90501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $87 | $0 | $87 | 0.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 333 SOUTH HOPE ST STE 3600 LOS ANGELES, CA 90071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 35.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN ASSOCIATES | PO BOX 4328 TORRANCE, CA 90501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $114 | $0 | $114 | 1.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 333 SOUTH HOPE ST STE 3600 LOS ANGELES, CA 90071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $99 | $0 | $99 | 0.94% |
| CHRISTA G AUFDEMBERG INC4 | 13102 BRITTANY WOODS DR TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 11.25% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD STE 1000 ROLLING MEADOW, IL 60008 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $289 | $0 | $289 | 3.02% |
| ALLIANT INSURANCE SERVICES, INC.4 Filed as: ALLIANT INSURANCE SERVICE INC | 701 B ST FL 6 SAN DIEGO, CA 92101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $111 | $0 | $111 | 1.16% |
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 | 597 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 334 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 438 | $316K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | 767 | $61K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 597 | $100K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 597 | $100K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 597 | $100K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 334 | $1.8M |
| Other(5 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 597 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 767 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.