| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | BLUE CROSS OF CALIFORNIA | $105K | $0 | $105K | 2.15% |
| SULLIVANCURTISMONROE3 Filed as: SULLIVANCURTISMONROE INS. SERVICES | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | BLUE CROSS OF CALIFORNIA | $53K | $5K | $58K | 1.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN, INC. | $61K | $0 | $61K | 3.69% |
| SULLIVANCURTISMONROE3 Filed as: SULLIVANCURTISMONROE INS. SERVICES | PO BOX 19763 IRVINE, CA 92623 | KAISER FOUNDATION HEALTH PLAN, INC. | $26K | $0 | $26K | 1.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $0 | $22K | 5.11% |
| SULLIVANCURTISMONROE3 Filed as: SULLIVANCURTISMONROE INS. SERVICES | 2010 MAIN STREET, SUITE 700 IRVINE, CA 92614 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 2.06% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $6K | $6K | 1.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN GENERAL INSURANCE COMPANY | $774 | $0 | $774 | 5.58% |
| SULLIVANCURTISMONROE3 Filed as: SULLIVANCURTISMONROE INS. SERVICES | PO BOX 19763 IRVINE, CA 92623 | METROPOLITAN GENERAL INSURANCE COMPANY | $373 | $0 | $373 | 2.69% |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 750 | $6.5M |
| Dental | BLUE CROSS OF CALIFORNIA | 750 | $4.9M |
| Vision | BLUE CROSS OF CALIFORNIA | 750 | $4.9M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 392 | $438K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 392 | $438K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 392 | $438K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 750 | $6.5M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 392 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.