| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 11060 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | KAISER FOUNDATION HEALTH PLAN INC | $32K | $0 | $32K | 4.19% |
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 255188 SACRAMENTO, CA 95865 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 0.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $762 | $762 | 0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 11060 WHITE ROCK ROAD, SUITE 160 RANCHO CORDOVA, CA 95670 | BLUE CROSS OF CALIFORNIA | $23K | $0 | $23K | 4.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 11060 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | PROMINENCE HEALTH PLAN | $6K | $0 | $6K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 11060 WHITE ROCK ROAD, SUITE 160 RANCHO CORDOVA, CA 95670 | UNION SECURITY INSURANCE COMPANY | $8K | $0 | $8K | 7.62% |
| INTERWEST INSURANCE SERVICES, LLC3 | 310 HEMSTED DRIVE, SUITE 200 REDDING, CA 96002 | UNION SECURITY INSURANCE COMPANY | $2K | $2K | $5K | 4.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN SACRAMENTO, CA 95826 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| INTERWEST INSURANCE SERVICES, LLC3 | PO BOX 255188 SACRAMENTO, CA 95865 | HUMANA INSURANCE COMPANY | $305 | $0 | $305 | 10.01% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 179 | $1.4M |
| Dental | UNION SECURITY INSURANCE COMPANY | 144 | $100K |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 125 | $21K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 179 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.