| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN | $57K | $0 | $57K | 3.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | KAISER FOUNDATION HEALTH PLAN | $29K | $0 | $29K | 1.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES - GLENDA | 505 N BRAND BLVD STE 600 GLENDALE, CA 91203 | SUTTER HEALTH PLAN | $11K | $0 | $11K | 3.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | SUTTER HEALTH PLAN | $6K | $0 | $6K | 1.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES INC | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | AMERITAS | $3K | $0 | $3K | 2.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 500 N BRAND BLVD STE 100 GLENDALE, CA 91203 | AMERITAS | $2K | $0 | $2K | 1.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE RM 3202 NEW YORK, NY 10166 | AMERITAS | $0 | $2K | $2K | 1.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | LINCOLN NATIONAL | $7K | $0 | $7K | 10.13% |
| NFP INSURANCE SERVICES INC3 | 2300 CONTRA COSTA BLVD #600 PLEASANT HILL, CA 94523 | LINCOLN NATIONAL | $3K | $828 | $4K | 6.16% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN NATIONAL | $0 | $552 | $552 | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | LINCOLN NATIONAL | $3K | $0 | $3K | 10.24% |
| NFP INSURANCE SERVICES INC3 | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | LINCOLN NATIONAL | $1K | $312 | $2K | 6.26% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | LINCOLN NATIONAL | $0 | $208 | $208 | 0.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES | 2300 CONTRA COSTA BLVD STE 600 PLEASANT HILL, CA 94523 | UNUM INSURANCE COMPANY | $314 | $42 | $356 | 13.60% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS, INC | 8777 N GAINEY CENTER DR STE 26 SCOTTSDALE, AZ 85258 | UNUM INSURANCE COMPANY | $0 | $144 | $144 | 5.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $120 | $0 | $120 | 4.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $22 | $22 | 0.84% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 139 | $1.9M |
| Dental | AMERITAS | 343 | $115K |
| Vision | AMERITAS | 343 | $115K |
| Life insurance | LINCOLN NATIONAL | 184 | $64K |
| Long-term disability | LINCOLN NATIONAL | 178 | $25K |
| Prescription drug | SUTTER HEALTH PLAN | 37 | $340K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL | 184 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.