| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | HARTFORD LIFE AND ACCIDENT | $164K | $0 | $164K | 1.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 WEST MONROE STREET CHICAGO, IL 60603 | HARTFORD LIFE AND ACCIDENT | $3K | $195 | $3K | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $22K | $0 | $22K | 2.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $11K | $4K | $15K | 5.22% |
| BRADAWN INSURANCE SERVICES, INC.3 | 101 GREENLEAF ROAD BLUFFTON, SC 29910 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $539 | $0 | $539 | 0.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $45 | $45 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 100 GLENDALE, CA 91203 | ZURICH AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 18.00% |
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 | 9,643 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 5,681 | $61.0M |
| Dental | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | 1,888 | $290K |
| Vision | VISION SERVICE PLAN | 8,593 | $1.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 14,581 | $10.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 14,581 | $10.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 14,581 | $10.2M |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 5,681 | $61.0M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 29,852 | $10.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,852 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.