| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 45 E. RIVER PARK PLANCE W SUITE 605 FRESNO, CA 93720 | BLUE SHIELD OF CALIFORNIA | — | $545 | $545 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE THE GALLAGHER CENTRE ITASCA, ID 601431203 | KAISER FOUNDATION HEALTH PLAN INC. | $38K | — | $38K | 4.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE THE GALLAGHER CENTRE ITASCA, IL 601431203 | KAISER FOUNDATION HEALTH PLAN INC. | — | $691 | $691 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 45 E. RIVER PARK PLACE W SUITE 408 FRESNO, CA 93720 | THE GUARDIAN LIFE INSURANCE COMPANY | $10K | $3K | $12K | 8.54% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.12% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 146 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 149 | $145K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 149 | $145K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 149 | $145K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 117 | $972K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 149 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.