| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | P.O. BOX 39000 SAN FRANCISCO, CA 94139 | AETNA LIFE INSURANCE CO. | $596K | $0 | $596K | 2.21% |
| USI INSURANCE SERVICES LLC3 Filed as: WELLS FARGO DBA USI INSURANCE SERVI | 21250 HAWTHORNE BLVD STE 600 TORRANCE, CA 90503 | METROPOLITAN LIFE INSURANCE COMPANY | $224K | $57 | $224K | 5.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 1018 WEST 9TH AVE. KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $86K | $86K | 1.96% |
| USI INSURANCE SERVICES LLC3 Filed as: WELLS FARGO DBA USI INSURANCE SERVI | 21250 HAWTHORNE BLVD. TORRANCE, CA 90503 | METROPOLITAN LIFE INSURANCE COMPANY | $157K | $57 | $157K | 5.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 1018 WEST 9TH AVE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $54K | $54K | 1.96% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | P.O. BOX 39000 SAN FRANCISCO, CA 94139 | VISION SERVICE PLAN | $38K | $0 | $38K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 600 HIGHWAY 169 SOUTH SUITE 1200 ST LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE CO. | $26K | $0 | $26K | 8.26% |
| USI INSURANCE SERVICES LLC3 Filed as: WELLS FARGO DBA USI INSURANCE SERVI | 21250 HAWTHORNE BLVD. STE 600 TORRANCE, CA 90503 | SAFEGUARD HEALTH PLANS INC A CALIFORNIA CORPORATION | $3K | $0 | $3K | 3.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 1018 WEST 9TH AVE. KING OF PRUSSIA, PA 19406 | SAFEGUARD HEALTH PLANS INC A CALIFORNIA CORPORATION | $0 | $2K | $2K | 2.02% |
| HALL, JIMMY, HARRISON3 | 959 SKYWAY RD 2ND FLOOR SAN CARLOS, CA 94070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 959 SKYWAY RD 2ND FL SAN CARLOS, CA 94070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARO INS. SVCS USA INC REDWOO | 45 FREMONT ST SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $128 | $128 | 0.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | STE 800 45 FREMONT SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $32 | $32 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | STE 800 45 FREMONT ST SAN FRANCISCO, CA 94105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $605 | $234 | $839 | 3.63% |
| HALL, JIMMY, HARRISON3 | SKYWAY RD 2ND FL SAN CARLOS, CA 94070 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $555 | $0 | $555 | 2.40% |
| INSGROUP INC3 Filed as: FARMERS INSURANCE GROUP CASH RECEIP | ATTN CASH RECEIPTS MERCER ISLAND, WA 98040 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $142 | $0 | $142 | 0.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 959 SKYWAY RD 2ND FLOOR SAN CARLOS, CA 94070 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $129 | $0 | $129 | 0.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 21250 HAWTHORNE BLVD. STE 600 TORRANCE, CA 90503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 11.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA SAN CARLOS | 45 FREMONT STREET STE 800 SAN FRANCISCO, CA 94105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $425 | $51 | $476 | 3.02% |
| HALL, JIMMY, HARRISON3 | 959 SKYWAY RD 2ND FL SAN CARLOS, CA 94070 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $345 | $0 | $345 | 2.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 21250 HAWTHORNE BLVD SUITE 600 TORRANCE, CA 90503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $263 | $0 | $263 | 1.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA REDWOO | 45 FREMONT ST ST 800 SAN FRANCISCO, CA 94105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $47 | $47 | 0.30% |
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 | 10,791 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 10,791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 8,227 | $27.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 8,227 | $27.1M |
| Vision | VISION SERVICE PLAN | 3,955 | $757K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 10,791 | $4.4M |
| Long-term disability(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 10,804 | $2.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 10,804 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,804 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.