| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE MOUNT LAUREL, NJ 08054 | AETNA HEALTH OF CALIFORNIA INC. | $33K | $0 | $33K | 0.85% |
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION COMPANY INC. | 5505 MERRIMAC AVENUE DALLAS, TX 75206 | AETNA LIFE INSURANCE COMPANY | $36K | $0 | $36K | 2.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE MOUNT LAUREL, NJ 08054 | AETNA LIFE INSURANCE COMPANY | $32K | $193 | $32K | 2.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 333 EAST OSBORN ROAD PHOENIX, AZ 85012 | AETNA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 1.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE MOUNT LAUREL, NJ 08054 | SIMNSA | $28K | $0 | $28K | 5.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 333 EAST OSBORN ROAD, SUITE 270 PHOENIX, AZ 85012 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $10K | $33K | 16.73% |
| THE ORIENTATION COMPANY, INC.3 Filed as: THE ORIENTATION COMPANY INC. | 5 COWBOYS WAY, SUITE 300-I FRISCO, TX 75034 | TRUSTMARK INSURANCE COMPANY | $38K | $0 | $38K | 51.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | TRUSTMARK INSURANCE COMPANY | $22K | $0 | $22K | 30.36% |
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 | 545 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 546 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,091 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 739 | $5.7M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 719 | $2.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 714 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 719 | $273K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 80 | $73K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 739 | $5.7M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 719 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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.