| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | $40K | $2 | $40K | 4.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | AETNA HEALTH, INC. | $16K | $0 | $16K | 3.92% |
| BEERE & PURVES INC3 Filed as: BEERE AND PURVES INC | 1350 TREAT BOULEVARD SUITE 470 WALNUT CREEK, CA 94596 | AETNA HEALTH, INC. | $9K | $0 | $9K | 2.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3095 ARLINGTON HEIGHTS, IL 60006 | AETNA HEALTH, INC. | $6K | $0 | $6K | 1.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1255 BATTERY ST SUITE 450 SAN FRANCISCO, CA 94111 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $54 | $14K | 9.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.03% |
| BEERE & PURVES INC3 Filed as: BEERE AND PURVES INC | 1350 TREAT BOULEVARD SUITE 470 WALNUT CREEK, CA 94596 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3095 ARLINGTON HEIGHTS, IL 60006 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.00% |
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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 120 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $154K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $154K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $154K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $154K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 445 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.