| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 600 HIGHWAY 169 SOUTH, SUITE 1200 ST. LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 0.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2030 MAIN STREET,SUITE 700 IRVINE, CA 92614 | AETNA LIFE INSURANCE COMPANY | $194 | — | $194 | 0.01% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | TRUSTMARK INSURANCE COMPANY | $14K | — | $14K | 8.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 4.23% |
| JAMES VINCENT PETERSEN JR3 Filed as: JAMES V PETERSEN, JR. | 10736 KNICHERBOCHER AVENUE LAS VEGAS, NV 89166 | CONTINENTAL AMERICAN INSURANCE COMPANY | $744 | — | $744 | 4.29% |
| COLLEEN LAPRADE3 Filed as: COLLEEN M SAPRADE AND VARIOUS AGENT | 6005 HIDDEN VALLEY ROAD SUITE CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $215 | — | $215 | 1.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 604 WEST MOANA LANE RENO, NV 89509 | CONTINENTAL AMERICAN INSURANCE COMPANY | $194 | — | $194 | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A. JAIME | 5603 FAIRMEAD EAST WAY LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | — | $115 | 0.66% |
| DAVID M COUGHLIN3 | 4253 HUNT DRIVE APARTMENT 1607 CARROLLTON, TX 75010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | — | $113 | 0.65% |
| DEBRA LOCKWOOD3 | 2685 SOUTH RAINBOW DRIVE SUITE 206 LAS VEGAS, NV 89146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.58% |
| TAMMY A MORGART3 Filed as: TAMMY A. SWAIN | 5463 SOUTH DURANGO DRIVE SUITE B LAS VEGAS, NV 89113 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.38% |
| MJ INSURANCE3 Filed as: PETER C. FOY AND VARIOUS AGENTS | 6200 CANOGA AVENUE, SUITE 325 WOODLAND HILLS, CA 91367 | AFLAC | $370 | — | $370 | 2.81% |
| TAMMY A MORGART3 Filed as: TAMMY A. SWAIN | 10736 KNICKERBOCKER AVENUE LAS VEGAS, NV 89166 | AFLAC | $307 | — | $307 | 2.33% |
| EDWIN R SWAIN3 Filed as: EDWIN R. SWAIN | 5601 CAVALIER CIRCLE LAS VEGAS, NV 89130 | AFLAC | $280 | — | $280 | 2.12% |
| TERESA BLAKE3 Filed as: TERESA A. BLAKE | 3408 CANTURA BLUFF AVENUE NORTH LAS VEGAS, NV 89031 | AFLAC | $215 | — | $215 | 1.63% |
| AUBREY L. BRANCH3 | PO BOX 571412 LAS VEGAS, NV 89157 | AFLAC | $162 | — | $162 | 1.23% |
| JAMES VINCENT PETERSEN JR3 Filed as: JAMES VINCENT PETERSEN JR. | 10736 KNICKERBOCKER AVENUE LAS VEGAS, NV 89156 | AFLAC | $136 | — | $136 | 1.03% |
| ERIN RADA3 Filed as: ERIN K. RADA | 2900 SUNRIDGE HIEIGHTS PARKWAY APARTMENT 92 HENDERSON, NV 89052 | AFLAC | $86 | — | $86 | 0.65% |
| PETER C. FOY & ASSOCIATES3 Filed as: PETER C FOY AND ASSOCIATES | 6200 CANOGA AVENUE WOODLAND HILLS, CA 91367 | HYATT LEGAL PLANS | — | $24 | $24 | 0.43% |
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 | 1,036 | 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) | 1,036 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA HEALTH, INC. | 1,854 | $7.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,854 | $2.8M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,854 | $2.8M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,854 | $2.9M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 1,854 | $2.8M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,854 | $2.8M |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 1,854 | $7.3M |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 1,854 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,854 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.