| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENFIT SERVICES INC. | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $28K | $2K | $30K | 6.75% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $10K | $201 | $10K | 10.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $6K | $328 | $6K | 6.75% |
| VARIOUS - SEE ATTACHED3 | C/O CONTINENTAL AMERICAN PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | MEDIEXCEL HEALTH PLAN | $3K | — | $3K | 5.11% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $8K | $71 | $8K | 12.95% |
| VARIOUS - SEE ATTACHED3 | C/O CONTINENTAL AMERICAN PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.21% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFIT INS SOLUTIONS | 8220 UNIVERSITY AVE, SUITE 200 LA MESA, CA 91942 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 9.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | HARTFORD LIFE AND ACCIDENT | $863 | $70 | $933 | 6.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | UNICARE LIFE & HEALTH INSURANCE | $60 | $3 | $63 | 6.72% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 71 | $505K |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 186 | $88K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 186 | $88K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 192 | $244K |
| Short-term disability(3 contracts, 3 carriers) | AFLAC | 192 | $157K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 61 | $14K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 71 | $505K |
| Other(5 contracts, 3 carriers) | AFLAC | 192 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.