| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | BLUE CROSS OF CALIFORNIA | $115K | $0 | $115K | 3.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BARND BOULEVARD SUITE 600 GLENDALE, CA 91203 | DELTA DENTAL OF CALIFORNIA | $7K | $0 | $7K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $764 | $24K | 15.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $5K | $0 | $5K | 8.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BARND BOULEVARD SUITE 600 GLENDALE, CA 91203 | LEGAL CLUB OF AMERICA | $476 | $0 | $476 | 17.00% |
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 | 359 | 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) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 458 | $3.1M |
| Dental | DELTA DENTAL OF CALIFORNIA | 427 | $184K |
| Vision | VISION SERVICE PLAN | 299 | $60K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 359 | $156K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 359 | $156K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 458 | $3.1M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 359 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.