| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 333 EAST OSBORN ROAD, SUITE 100 PHOENIX, AZ 85012 | AETNA LIFE INSURANCE COMPANY | $423K | $25K | $448K | 5.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE, SUITE 300 MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $79K | $0 | $79K | 0.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE COMPANY | -$12K | $0 | -$12K | -0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2121 NORTH CALIFORNIA BOULEVARD SUITE 350 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN, INC. | $57K | $0 | $57K | 1.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 WOODMERE ROAD, SUITE 250 FOLSOM, CA 95630 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $88K | $0 | $88K | 14.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $17K | $17K | 2.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 333 EAST OSBORN ROAD, SUITE 100 PHOENIX, AZ 85012 | AETNA HEALTH OF CALIFORNIA, INC. | $26K | $0 | $26K | 4.83% |
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 | 1,180 | 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) | 1,180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,598 | $11.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,598 | $8.0M |
| Vision | VISION SERVICE PLAN | 796 | $93K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,120 | $628K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,120 | $628K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,120 | $628K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,598 | $11.4M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,598 | $8.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,598 | — |
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.