| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | BLUE CROSS OF CALIFORNIA | $60K | $5K | $65K | 4.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | STANDARD INSURANCE COMPANY | $4K | $747 | $5K | 10.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 6.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 19.12% |
| LISA MARIE COOTS3 | 2363 HIALEAH CIRCLE NORCO, CA 92860 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 12.68% |
| JONATHAN ALI HAJIMOMEN3 | 6540 GRAND MANAN CYPRESS, CA 90630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $777 | $0 | $777 | 6.98% |
| TONYA LYNNE WYNES3 | 6017 SCENIC LAKE DRIVE GEORGETOWN, TX 78626 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| MICHAEL J ELLIS3 Filed as: MICHAEL JOEL ELLIS | 532 GARRICK PLACE OFALLON, MO 63368 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$4 | $0 | -$4 | -0.04% |
| NICKI LYN ALBRIGHT3 | 965 CATALINA AVENUE SEAL BEACH, CA 90740 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$4 | $0 | -$4 | -0.04% |
| MJ INSURANCE3 Filed as: JOSEPH R. GUNTHER & VARIOUS AGENTS | 845 WATERFORD VILLAS DRIVE LAKE ST. LOUIS, MO 63367 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$144 | $0 | -$144 | -1.29% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 321 | $1.4M |
| Dental | BLUE CROSS OF CALIFORNIA | 321 | $1.4M |
| Vision | BLUE CROSS OF CALIFORNIA | 321 | $1.4M |
| Life insurance | STANDARD INSURANCE COMPANY | 428 | $50K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 321 | $1.4M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 428 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.
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.