| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 4100 NEWPORT PLACE DRIVE SUITE 650 NEWPORT BEACH, CA 926601415 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | — | $14K | 4.23% |
| ACADEMY BENEFITS INS. AGENCY, LLC3 | 23901 CALABASAS ROAD SUITE 2024 CALABASAS, CA 913023305 | KAISER FOUNDATION HEALTH PLAN INC. | $4K | — | $4K | 2.56% |
| SCOTT T. BRANDT3 | 23901 CALABASAS ROAD SUITE 2024 CALABASAS, CA 91302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 11.23% |
| SCOTT T. BRANDT3 | 23945 CALABASAS ROAD SUITE 108 CALABASAS, CA 91302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.91% |
| SCOTT T. BRANDT3 | 23901 CALABASAS ROAD SUITE 2024 CALABASAS, CA 91302 | GERBER LIFE INSURANCE COMPANY | $1K | — | $1K | 10.44% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 95 | $470K |
| Vision | GERBER LIFE INSURANCE COMPANY | 71 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $51K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $51K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 95 | $470K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.