| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1255 BATTERY STREET, SUITE 450 SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $117K | — | $117K | 2.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1255 BATTERY STREET, SUITE 450 SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $21K | — | $21K | 0.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC | $46K | — | $46K | 1.76% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 0.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE 14TH FLR ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $2K | $2K | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1255 BATTERY STREET, SUITE 450 SAN FRANCISCO, CA 94111 | CIGNA HEALTHCARE OF CALIFORNIA | $47K | — | $47K | 2.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 1255 BATTERY ST STE 450 SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $36K | — | $36K | 6.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 2 PIERCE PLACE 21ST FL ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | $0 | $14K | $14K | 2.66% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE, INC. | LOCKBOX 28852 NEW YORK, NY 10087 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 2.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1255 BATTERY STREET, SUITE 450 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $0 | $252 | $252 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1255 BATTERY STREET, SUITE 450 SAN FRANCISCO, CA 94111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 7.04% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 2.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PL ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 2.10% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN INC | $379 | — | $379 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PL 14TH FLR ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $287 | $287 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1255 BATTERY ST STE 450 SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 9.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE 21ST FL ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $329 | $329 | 1.29% |
| WILLIS TOWERS WATSON US LLC4 Filed as: TOWERS WATSON DELAWARE INC. | LOCKBOX 28852 NEW YORK, NE 10087 | HARTFORD LIFE AND ACCIDENT | $215 | — | $215 | 0.85% |
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 | 777 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 931 | $10.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 103 | $248K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 768 | $523K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 768 | $523K |
| Prescription drug(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 931 | $10.7M |
| Other(6 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 777 | $841K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 931 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.