| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $114K | $0 | $114K | 18.86% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 6.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 2.89% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 4.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 2.52% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $392 | $0 | $392 | 1.29% |
| MJ INSURANCE3 Filed as: MICHAEL L. KING AND VARIOUS AGENTS | 2920 TELFORD PLACE CHARLOTTE, NC 28205 | AFLAC | $1K | $0 | $1K | 5.97% |
| BENEFITS GALLERY LLC3 Filed as: BENEFITS GALLERY, LLC | 2443 SOUTH CHOLLA PLACE CHANDLER, AZ 85286 | AFLAC | $175 | $0 | $175 | 0.92% |
| ELENI A NIKOLAS3 Filed as: ELENI A. NIKOLAS | 50 HURT PLAZA SE SUITE 1630 ATLANTA, GA 30303 | AFLAC | $168 | $0 | $168 | 0.89% |
| DANIEL H GRIFFIN3 Filed as: DANIEL H. GRIFFIN | 104 BURGUNDY COURT MARTINEZ, CA 94553 | AFLAC | $118 | $0 | $118 | 0.62% |
| HEATHER F SEIBERT3 Filed as: HEATHER F. SEIBERT | PO BOX 1329 SHINER, TX 77984 | AFLAC | $107 | $0 | $107 | 0.56% |
| KATHY LEE BRIGHT3 | 788 EAST PEPPER DRIVE CASA GRANDE, AZ 85122 | AFLAC | $98 | $0 | $98 | 0.52% |
| MARY JO ARNOLD3 | 8569 VALLEY RANCH POINT FOUNTAIN, CO 80817 | AFLAC | $88 | $0 | $88 | 0.46% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $128 | $62 | $190 | 4.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $93 | $37 | $130 | 2.94% |
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 | 376 | 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) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 501 | $604K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 454 | $154K |
| Vision | VISION SERVICE PLAN | 228 | $30K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 376 | $159K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 376 | $159K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 376 | $159K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 501 | $604K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 376 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.