| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $8K | $8K | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 11060 WHITE ROCK ROAD SUITE 160 RANCHO CORDOVA, CA 95670 | KAISER FOUNDATION HEALTH PLAN INC | $33 | $0 | $33 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 11060 WHITE ROCK ROAD SUITE 160 RANCHO CORDOVA, CA 95670 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5900 SAN MATEO, CA 94402 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.55% |
| CHUCK EBERLE3 | 644 LINN STREET SUITE 430 CINCINNATI, OH 45203 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.22% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN R. GRIFFIN | UNKNOWN SACRAMENTO, CA 95826 | PROTECTIVE LIFE INSURANCE COMPANY | $379 | $0 | $379 | 1.75% |
| MICHAEL IVEZICH3 | UNKNOWN SACRAMENTO, CA 95826 | PROTECTIVE LIFE INSURANCE COMPANY | $164 | $0 | $164 | 0.76% |
| CHARLES F EBERLE3 Filed as: CHARLES EBERLE | UNKNOWN SACRAMENTO, CA 95826 | PROTECTIVE LIFE INSURANCE COMPANY | $147 | $0 | $147 | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 11060 WHITE ROCK ROAD SUITE 160 RANCHO CORDOVA, CA 95670 | ACE AMERICAN INSURANCE COMPANY | $403 | $0 | $403 | 15.01% |
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 | 1,678 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 51 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,086 | $15.0M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,171 | $1.3M |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,678 | $620K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 166 | $115K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,566 | $483K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 2,086 | $15.0M |
| Other(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 1,566 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,086 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.