| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | AETNA LIFE INSURANCE COMPANY | $245K | $87 | $245K | 4.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | $89K | $0 | $89K | 5.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 3470 MOUNT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN INC | $130 | $0 | $130 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | $72K | $0 | $72K | 5.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 3470 MOUNT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | PRINCIPAL LIFE INSURANCE COMPANY | $281 | $0 | $281 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BLDG 2 WEST LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $165 | $165 | 0.01% |
| JOHN A. HOHMAN3 | 3470 MOUNT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | AETNA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 906 WEST 2ND AVENUE, SUITE 400 SPOKANE, WA 99201 | AETNA LIFE INSURANCE COMPANY | $867 | $0 | $867 | 0.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 13.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 3470 MOUNT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $895 | $0 | $895 | 1.15% |
| D A FINANCIAL INS SERVICES INC3 Filed as: D A FINANCIAL INS. SERVICES, INC. | 3470 MOUNT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $109 | $0 | $109 | 0.14% |
| JOHN A. HOHMAN3 | 3470 MOUNT DIABLO BOULEVARDE SUITE A100 LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $397 | $0 | $397 | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $280 | $0 | $280 | 0.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.00% |
| PACIFIC BUSINESS SOLUTIONS, LLC3 | PO BOX 240655 HONOLULU, HI 96824 | HAWAII DENTAL SERVICE | $600 | $0 | $600 | 1.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $463 | $0 | $463 | 2.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC. | 3470 MOUNT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | AMERITAS LIFE INSURANCE CORPORATION | $881 | $0 | $881 | 7.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1255 BATTERY STREET, SUITE 450 SAN FRANCISCO, CA 94111 | AMERITAS LIFE INSURANCE CORPORATION | $125 | $0 | $125 | 1.09% |
| JOHN A. HOHMAN3 Filed as: JOHN ANDREW HOHMAN | 3470 MOUNT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $3 | $44 | 2.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 2.00% |
| D A FINANCIAL INS SERVICES INC3 Filed as: D A FINANCIAL INS. SERVICES, INC. | 3470 MOUNT DIABLO BOULEVARD SUITE A100 LAFAYETTE, CA 94549 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 1.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $7 | $7 | 0.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BLDG 2, SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2 | $2 | 0.09% |
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 | 866 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 546 | $8.3M |
| Dental(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,016 | $2.3M |
| Vision(3 contracts, 3 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 388 | $1.1M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,016 | $1.4M |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,016 | $1.4M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,016 | $1.4M |
| Prescription drug(7 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 546 | $8.3M |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,016 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,016 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.