| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 11060 WHITE ROCK RD STE 160 RANCHO CORDOVA, CA 956706060 | KAISER FOUNDATION HEALTH PLAN INC. | $45K | — | $45K | 5.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2 PIERCE PL 14TH FLR ITASCA, IL 601431203 | KAISER FOUNDATION HEALTH PLAN INC. | — | $794 | $794 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 11060 WHITE ROCK ROAD STE 160 RANCHO CORDOVA, CA 956706061 | KAISER FOUNDATION HEALTH PLAN INC. | $20K | — | $20K | 5.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PL 14TH FLR ITASCA, IL 601431203 | KAISER FOUNDATION HEALTH PLAN INC. | — | $323 | $323 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 11060 WHITE ROCK ROAD SUITE 160 RANCHO CORDOVA, CA 95670 | PREMIER ACCESS INSURANCE COMPANY | $7K | — | $7K | 5.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD STE 1000 ROLLING MEADOWS, IL 600084036 | VISION SERVICE PLAN | $1K | — | $1K | 5.30% |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 179 | $1.2M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 293 | $127K |
| Vision | VISION SERVICE PLAN | 157 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.