| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $727K | $23K | $750K | 15.43% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS, LLC | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | RELIASTAR LIFE INSURANCE COMPANY | $90K | $91K | $181K | 4.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $138K | $0 | $138K | 3.14% |
| RICHARD C. CALLISTER3 | 515 SOUTH FLOWER STREET, 18TH FLOOR LOS ANGELES, CA 90071 | RELIASTAR LIFE INSURANCE COMPANY | $108K | $0 | $108K | 2.46% |
| SAMIR H. SHETH3 | 1000 WILTSHIRE BOULEVARD, SUITE 250 LOS ANGELES, CA 90017 | RELIASTAR LIFE INSURANCE COMPANY | $108K | $0 | $108K | 2.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 5600 WEST 83RD STREET 8200 TOWER, SUITE 1100 BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY | $143K | $0 | $143K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH BRAND BOULEVARD SUITE 100 GLENDALE, CA 91203 | DELTA DENTAL OF CALIFORNIA | $22K | $0 | $22K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN GENERAL INSURANCE COMPANY | $51K | $2K | $53K | 8.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $165 | $6K | 20.54% |
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 | 18,809 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,301 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 4,891 | $742K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 13,342 | $2.4M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 26,548 | $4.4M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 617 | $31K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 18,065 | $4.9M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 26,548 | $7.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,548 | — |
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.