| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | AETNA HEALTH OF CALIFORNIA INC. | $36K | $0 | $36K | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $25K | $8K | $33K | 6.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | SIMNSA | $24K | $0 | $24K | 5.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38K | $0 | $38K | 19.64% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP | 3350 RIVERWOOD PARKWAY, SUITE 80 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $2K | $24K | 12.05% |
| THE ORIENTATION COMPANY, INC.3 | 5 COWBOYS WAY, SUITE I FRISCO, TX 75034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $0 | $23K | 11.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $5K | $5K | 2.64% |
| THE ORIENTATION COMPANY, INC.3 | 5505 MERRIMAC AVENUE DALLAS, TX 75206 | AETNA LIFE INSURANCE COMPANY | $92K | $0 | $92K | 51.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3095 ARLINGTON HEIGHTS, IL 60006 | AETNA LIFE INSURANCE COMPANY | $31K | $0 | $31K | 17.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 369 SOUTH ARIZONA AVENUE, SUITE A CHANDLER, AZ 85225 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $10K | $33K | 21.04% |
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 | 681 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 123 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 806 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 802 | $4.5M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 800 | $1.1M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 800 | $681K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 585 | $354K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 585 | $196K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 802 | $4.5M |
| Other | AETNA LIFE INSURANCE COMPANY | 777 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 802 | — |
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.