| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1039-A NORTH MCDOWELL BOULEVARD PETALUMA, CA 94954 | HEALTH NET | $18K | — | $18K | 3.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1039-A NORTH MCDOWELL BOULEVARD PETALUMA, CA 94954 | AMERITAS LIFE INSURANCE CORPORATION | $9K | — | $9K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | AMERITAS LIFE INSURANCE CORPORATION | — | $2K | $2K | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1039-A NORTH MCDOWELL BOULEVARD PETALUMA, CA 94954 | BLUE CROSS OF CALIFORNIA | $6K | — | $6K | 6.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | MANAGED HEALTH NETWORK | $157 | — | $157 | 5.01% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 344 | $674K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 325 | $107K |
| Vision | BLUE CROSS OF CALIFORNIA | 344 | $90K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 344 | $90K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH NET | 344 | $674K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 344 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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."
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.