| 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 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $54 | $54 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INVESTMENT SECURITIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $142 | $42K | 3.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD FL 21 ROLLING MDWS, IL 60008 | AMERITAS LIFE INSURANCE CORP. | $0 | $6K | $6K | 0.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.40% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON INVESTMENT SECURITIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMINISTRATION | Other services; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan; Named fiduciary; Contract Administrator; Float revenue Service code 12 | ONE FRONT STREET, 7TH FLOOR SAN FRANCISCO, CA 94111 | $3.4M |
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 EAP ADMINISTRATION | Participant communication; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $127K |
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 | 4,793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 3,661 | $17.8M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF CALIFORNIA | 2,872 | $6.3M |
| Vision(5 contracts) | VISION SERVICE PLAN | 3,229 | $4.7M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 13,459 | $5.2M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 13,459 | $4.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13,459 | $4.1M |
| Prescription drug | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 248 | $634K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 6,203 | $2.9M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 13,459 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,459 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.