| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | BLUE CROSS OF CALIFORNIA | $96K | $2K | $98K | 4.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INS. ADMIN., INC. | 721 SOUTH PARKER STREET, SUITE 200 ORANGE, CA 92868 | BLUE CROSS OF CALIFORNIA | $0 | $44K | $44K | 1.98% |
| MAUREEN MCNALLY3 | 46560 FREMONT BOULEVARD, SUITE 401 FREMONT, CA 94538 | BLUE CROSS OF CALIFORNIA | $7K | $0 | $7K | 0.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2121 NORTH CALIFORNIA BOULEVARD SUITE 350 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $32K | $0 | $32K | 5.89% |
| MAUREEN MCNALLY3 | 46560 FREMONT BOULEVARD, SUITE 401 FREMONT, CA 94538 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $0 | $12K | 2.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INS. ADMIN., INC. | 721 SOUTH PARKER STREET, SUITE 200 ORANGE, CA 92868 | KAISER FOUNDATION HEALTH PLAN INC | -$6 | $0 | -$6 | -0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.02% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, IL 89135 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.00% |
| MAUREEN MCNALLY3 | 46560 FREMONT BOULEVARD, SUITE 401 FREMONT, CA 94538 | METROPOLITAN LIFE INSURANCE COMPANY | $322 | $0 | $322 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $3K | $0 | $3K | 4.75% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $683 | $0 | $683 | 1.25% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 437 | $2.7M |
| Dental | BLUE CROSS OF CALIFORNIA | 437 | $2.2M |
| Vision | VISION SERVICE PLAN | 212 | $55K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 334 | $173K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 334 | $173K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 334 | $173K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 437 | $2.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 334 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.