| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENFIT SERVICES INC. | 10505 SORRENTO VALLEY RAOD SAN DIEGO, CA 92121 | OPTIMA HEALTH PLAN | $15K | — | $15K | 3.50% |
| VARIOUS - SEE ATTACHED3 | C/O CONTINENTAL AMERICAN INS. P.O. BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $9K | — | $9K | 15.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO., INC. | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 6.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 10505 SORRENTO VALLEY ROAD SAN DIEGO, CA 92121 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 10505 SORRENTO VALLEY ROAD SAN DIEGO, CA 92121 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $481 | — | $481 | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $439 | — | $439 | 11.10% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OPTIMA HEALTH PLAN | 58 | $438K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 71 | $41K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 62 | $4K |
| Life insurance(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | 114 | $76K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | 114 | $58K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | 114 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.