| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 3697 MOUNT DIABLO BOULEVARD SUITE 300 LAFAYETTE, CA 94549 | UNITEDHEALTHCARE INSURANCE COMPANY | $840K | $0 | $840K | 4.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH BRAND BOULEVARD GLENDALE, CA 91203 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $81K | $81K | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $101K | $0 | $101K | 11.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | $107 | $49K | 12.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $13K | $0 | $13K | 9.23% |
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 | 1,336 | 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) | 1,336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,245 | $17.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,008 | $399K |
| Vision | VISION SERVICE PLAN | 1,141 | $142K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,336 | $867K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,336 | $867K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,336 | $867K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 2,245 | $17.5M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,336 | $867K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,245 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.