| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | KAISER FOUNDATION HEALTH PLAN INC | $65K | $0 | $65K | 6.08% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS AND ASSOC. INS. SVCS | 29122 RANCHO VIEJO ROAD, SUITE 211 SAN JUAN CAPISTRANO, CA 92675 | KAISER FOUNDATION HEALTH PLAN INC | $14K | $0 | $14K | 1.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $4K | $4K | 0.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | AETNA HEALTH OF CALIFORNIA INC. | $61K | $0 | $61K | 6.33% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS AND ASSOC. INS. SVCS | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | AETNA HEALTH OF CALIFORNIA INC. | $6K | $0 | $6K | 0.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE COMPANY | $35K | $0 | $35K | 6.38% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS AND ASSOC. INS. SVCS | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE COMPANY | $2K | $4K | $7K | 1.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 6.48% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS AND ASSOC. INS. SVCS | 29122 RANCHO VIEJO ROAD, SUITE 211 SAN JUAN CAPISTRANO, CA 92675 | STANDARD INSURANCE COMPANY | $491 | $713 | $1K | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 6.85% |
| GARNETT POWERS & ASSOCIATES INC3 Filed as: GARNETT-POWERS AND ASSOC. INS. SVCS | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $122 | $0 | $122 | 0.75% |
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 | 372 | 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) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 400 | $2.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 400 | $541K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 229 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 372 | $88K |
| Short-term disability | STANDARD INSURANCE COMPANY | 372 | $88K |
| Long-term disability | STANDARD INSURANCE COMPANY | 372 | $88K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 400 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.