| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1255 BATTERY STREET, SUITE 450 SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE COMPANY | $117K | $5K | $122K | 5.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1255 BATTERY STREET, SUITE 450 SAN FRANCISCO, CA 94111 | AETNA HEALTH OF CALIFORNIA, INC. | $16K | $0 | $16K | 4.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 EAST RIVER PARK PLACE WEST SUITE 605 FRESNO, CA 93720 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $2K | $17K | 14.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 61.59% |
| PAYLOCITY CORPORATION3 | 1400 AMERICAN LANE SCHAUMBURG, IL 60173 | STANDARD INSURANCE COMPANY | $0 | $231 | $231 | 2.25% |
| MARK III BROKERAGE INC3 Filed as: MARK III BROKERAGE, INC. | 300 WEST WATAUGA AVENUE JOHNSON CITY, TN 37604 | STANDARD INSURANCE COMPANY | $87 | $0 | $87 | 0.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1255 BATTERY STREET, SUITE 450 SAN FRANCISCO, CA 94111 | CLAREMONT BEHAVIORAL SERVICES, INC. | $366 | $0 | $366 | 4.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $416 | $0 | $416 | 10.01% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 295 | $2.8M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 12 | $75K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 158 | $100K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $116K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $116K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 295 | $2.7M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 162 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.