| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 18201 VON KARMAN AVENUE IRVINE, CA 92612 | AETNA HEALTH, INC. | $44K | — | $44K | 3.06% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE GLENDALE, CA 91203 | AETNA HEALTH, INC. | $14K | — | $14K | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 18201 VON KARMAN AVENUE NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $40K | $14K | $54K | 4.32% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | AETNA LIFE INSURANCE COMPANY | $13K | — | $13K | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 18201 VON KARMAN AVENUE NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.47% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 4.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 18201 VON KARMAN AVENUE IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.35% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 4.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | GUARDIAN | $14K | $3K | $17K | 27.57% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | GUARDIAN | $7K | — | $7K | 10.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 18201 VON KARMAN AVENUE NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $834 | $5K | 12.37% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 18201 VON KARMAN AVENUE IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $959 | $161 | $1K | 12.04% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $436 | — | $436 | 4.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 18201 VON KARMAN AVENUE IRVINE, CA 92612 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $686 | $78 | $764 | 11.50% |
| RELATIONAL ADVISORS, LLC3 | 5151 CALIFORNIA AVENUE IRVINE, CA 92617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $310 | — | $310 | 4.67% |
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 | 392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 364 | $2.7M |
| Dental | GUARDIAN | 345 | $61K |
| Vision | AETNA LIFE INSURANCE COMPANY | 364 | $1.3M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 392 | $83K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 392 | $37K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 392 | $78K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 364 | $2.7M |
| Other(4 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 392 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.