| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE IRVINE, CA 92612 | AETNA HEALTH, INC. | $50K | $0 | $50K | 4.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 25909 PALA MISSION VIEJO, CA 92691 | AETNA HEALTH, INC. | $6K | $0 | $6K | 0.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | KAISER FOUNDATION HEALTH PLAN INC | $62K | $0 | $62K | 7.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $778 | $778 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $33K | $46 | $33K | 5.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 25909 PALA MISSION VIEJO, CA 92691 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE SUITE 200 IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $5K | $636 | $5K | 7.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 2.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 25909 PALA, SUITE 120 MISSION VIEJO, CA 92691 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $280 | $0 | $280 | 4.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $264 | $0 | $264 | 4.63% |
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 | 387 | 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) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 385 | $2.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 385 | $623K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 230 | $6K |
| Life insurance | STANDARD INSURANCE COMPANY | 387 | $75K |
| Short-term disability | STANDARD INSURANCE COMPANY | 387 | $75K |
| Long-term disability | STANDARD INSURANCE COMPANY | 387 | $75K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 385 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.