| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICE USA | 600 HIGHWAY 169 SOUTH SUITE 1200 ST LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE CO. | $151K | $15K | $166K | 3.34% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | DEPT 133667 P.O. BOX 39000 SAN FRANCISCO, CA 91439 | AETNA LIFE INSURANCE CO. | $38K | — | $38K | 0.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 21250 HAWTHORNE BLVD STE 600 TORRANCE, CA 90503 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $57 | $11K | 3.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1018 W 9TH AVE PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.67% |
| WELLS FARGO INSURANCE SERVICES3 | P.O. BOX 39000 SAN FRANCISCO, CA 94139 | VISION SERVICE PLAN | $9K | — | $9K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 21250 HAWTHORNE BLVD STE 600 TORRANCE, CA 90503 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $439 | — | $439 | 3.30% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS FARGO INS SERVICES USA INC | 1018 W 9TH AVE PRUSSIA, PA 19406 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $219 | $219 | 1.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 959 SKYWAY RD 2ND FL SAN CARLOS, CA 94070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $720 | — | $720 | 15.85% |
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 | 709 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,167 | $5.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,140 | $343K |
| Vision | VISION SERVICE PLAN | 574 | $90K |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,167 | $5.0M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 1,167 | $5.0M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,167 | $5.0M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,167 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,167 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.