| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2801 TOWNSGATE ROAD, SUITE 133 THOUSAND OAKS, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $34K | $0 | $34K | 3.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $3K | $3K | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 21820 BURBANK BOULEVARD, SUITE 175 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $75 | $8K | 10.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD FOUR RADNOR CORP. CENTER, SUITE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13 | $13 | 0.02% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 9.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 21820 BURBANK BOULEVARD, SUITE 175 WOODLAND HILLS, CA 91367 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $121 | $5K | 8.68% |
| HOGAN INSURANCE SERVICES, INC.3 | 2801 TOWNSGATE BOULEVARD WESTLAKE, CA 91361 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 4.82% |
| PATRICK JOSEPH ANDERSON3 | 651 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $12 | $2K | 3.18% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $428 | $1K | 2.71% |
| MAGNONE FINANCIAL SERVICES CORP3 Filed as: MAGNONE FINANCIAL SERVICES CORP. | 3151 OUTRIGGER AVENUE VENTURA, CA 93001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $949 | $0 | $949 | 1.78% |
| MJ INSURANCE3 Filed as: VGM BENEFIT AND VARIOUS AGENTS | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $752 | $15 | $767 | 1.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 21820 BURBANK BOULEVARD, SUITE 175 WOODLAND HILLS, CA 91367 | SAFEGUARD HEALTH PLANS, INC. | $3K | $0 | $3K | 9.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SAFEGUARD HEALTH PLANS, INC. | $0 | $327 | $327 | 1.29% |
| HOGAN INSURANCE SERVICES, INC.3 Filed as: HOGAN INSURANCE SVCS., INC. | PO BOX 7419 THOUSAND OAKS, CA 91359 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 172 | $1.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 354 | $107K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 354 | $81K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 354 | $156K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 66 | $53K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 172 | $1.1M |
| Other(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 354 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.