| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $263K | $57K | $320K | 18.59% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | STANDARD INSURANCE COMPANY | $167K | $47K | $214K | 12.45% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | CONTINTNTAL AMERICAN INSURANCE COMPANY | $82K | $0 | $82K | 16.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 11 VETERANS BOULEVARD, SUITE 130 METAIRIE, LA 70005 | CONTINTNTAL AMERICAN INSURANCE COMPANY | $55K | $0 | $55K | 10.71% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $200K | $0 | $200K | 39.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 19087 | TRANSAMERICA LIFE INSURANCE COMPANY | $101K | $0 | $101K | 20.09% |
| MICHAEL MULLIGAN3 Filed as: MICHAEL A. BELLOTTI | 2990 LAVA RIDGE COURT, SUITE 210 ROSEVILLE, CA 95661 | NORTHWESTERN MUTUAL | $4K | $1K | $5K | 6.36% |
| KEVIN O DELL ROBERTS3 | 2990 LAVA RIDGE COURT, SUITE 210 ROSEVILLE, CA 95661 | NORTHWESTERN MUTUAL | $438 | $157 | $595 | 0.69% |
| ABELL INSURANCE AGENCY LLC3 | 1425 RIVER PARK DRIVE, SUITE 100 SACRAMENTO, CA 95815 | NORTHWESTERN MUTUAL | $438 | $53 | $491 | 0.57% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 1820 EAST 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | METLIFE LEGAL PLANS | $4K | $7 | $4K | 5.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | METLIFE LEGAL PLANS | $3K | $54 | $3K | 3.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METLIFE LEGAL PLANS | $0 | $346 | $346 | 0.52% |
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 | 5,788 | 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) | 5,788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 5,469 | $568K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 5,929 | $2.2M |
| Short-term disability | CONTINTNTAL AMERICAN INSURANCE COMPANY | 1,661 | $509K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 5,929 | $1.8M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 5,929 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,929 | — |
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.