| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS, LLC | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | RELIASTAR LIFE INSURANCE COMPANY | $90K | $89K | $178K | 4.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $137K | $0 | $137K | 3.20% |
| RICHARD C. CALLISTER3 | 515 SOUTH FLOWER STREET, 18TH FLOOR LOS ANGELES, CA 90071 | RELIASTAR LIFE INSURANCE COMPANY | $107K | $0 | $107K | 2.49% |
| SAMIR H. SHETH3 | 1000 WILTSHIRE BOULEVARD, SUITE 250 LOS ANGELES, CA 90017 | RELIASTAR LIFE INSURANCE COMPANY | $107K | $0 | $107K | 2.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $173K | $0 | $173K | 6.36% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS, LLC | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $79K | $0 | $79K | 2.88% |
| SAMIR H. SHETH3 | 1000 WILTSHIRE BOULEVARD, SUITE 250 LOS ANGELES, CA 90017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39K | $0 | $39K | 1.44% |
| RICHARD C. CALLISTER3 | 515 SOUTH FLOWER STREET, 18TH FLOOR LOS ANGELES, CA 90071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39K | $0 | $39K | 1.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 5600 WEST 83RD STREET 8200 TOWER, SUITE 1100 BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY | $111K | $0 | $111K | 15.00% |
| VERITYPOINT LLC3 Filed as: VERITYPOINT, LLC | 515 SOUTH FLOWER STREET, 18TH FLOOR LOS ANGELES, CA 90071 | METROPOLITAN GENERAL INSURANCE COMPANY | $20K | $0 | $20K | 4.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN GENERAL INSURANCE COMPANY | $10K | $0 | $10K | 1.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 8500, S-6110 PHILADELPHIA, PA 19178 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $106 | $106 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US, LLC | UNKNOWN WEST HOLLYWOOD, CA 90048 | DELTA DENTAL OF CALIFORNIA | $11K | $0 | $11K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.96% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS, LLC | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $451 | $0 | $451 | 2.76% |
| SAMIR H. SHETH3 | 1000 WILTSHIRE BOULEVARD, SUITE 250 LOS ANGELES, CA 90017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $225 | $0 | $225 | 1.38% |
| CALLISTER, RICHARD C | 4929 HILLARD AVE. LA CANADA, CA 91011 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $225 | $0 | $225 | 1.38% |
| RICHARD C. CALLISTER3 | 515 SOUTH FLOWER STREET, 18TH FLOOR LOS ANGELES, CA 90071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $225 | $0 | $225 | 1.38% |
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 | 17,522 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,171 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 19,693 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 4,942 | $372K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 24,043 | $1.2M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 23,863 | $4.3M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 544 | $16K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 21,337 | $2.7M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 23,863 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,043 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.