| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC. | 8777 N GAINEY CENTER DR SUITE 25 SCOTTSDALE, AZ 85258 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $60 | $9K | 2.82% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | METROPOLITAN LIFE INSURANCE COMPANY | $579 | $0 | $579 | 0.19% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | UNITED OF OMAHA LIFE INSURANCE CO | $15K | $2K | $17K | 17.03% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC. | 8777 N GAINEY CENTER DR SUITE 25 SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $6K | $6K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $2K | $2K | 2.03% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | UNITED OF OMAHA LIFE INSURANCE CO | $6K | $872 | $7K | 17.03% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC. | 8777 N GAINEY CENTER DR SUITE 25 SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $3K | $3K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $872 | $872 | 2.03% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | UNITED OF OMAHA LIFE INSURANCE CO | $6K | $986 | $7K | 17.32% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC. | 8777 N GAINEY CENTER DR SUITE 25 SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $3K | $3K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $986 | $986 | 2.32% |
| PATRIOT GROWTH INSURANCE SERVICES3 | PO BOX 750004 PETALUMA, CA 94975 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $521 | $3K | 15.71% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC. | 8777 N GAINEY CENTER DR SUITE 25 SCOTTSDALE, AZ 85258 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $1K | $1K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DR SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE CO | $0 | $521 | $521 | 2.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 1255 TREAT BLVD SUITE 920 WALNUT CREEK, CA 94597 | FEDERAL INSURANCE COMPANY | $220 | $0 | $220 | 1.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATRIOT GROWTH INS DBA ARROW BEN ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 750004 PETALUMA, CA 94975 | $36K |
| TOTALIS BENEFITS, INC. ADMINISTRATOR | Contract Administrator Service code 13 | 8777 N GAINEY CENTER DR, SUITE 260 SCOTTSDALE, AZ 85258 | $21K |
| GI GEORGE PARENT LP ADMINISTRATOR | Contract Administrator Service code 13 | 501 OFFICE CETNER DR SUITE 21T FORT WASHINGTON, PA 19034 | $4K |
| MARSH & MCLENNAN AGENCY LLC ADMINISTRATOR | Contract Administrator Service code 13 | 1255 TREAT BLVD SUITE 950 WALNUT CREEK, CA 94597 | $220 |
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 | 300 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | SUTTER HEALTH PLAN | 198 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 585 | $308K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 585 | $308K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE CO | 292 | $143K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 292 | $100K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 104 | $22K |
| Prescription drug(4 contracts, 3 carriers) | SUTTER HEALTH PLAN | 198 | $2.8M |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 300 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.