| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 21820 BURBANK BLVD SUITE 301 WOODLAND HILLS, CA 91367 | AETNA HEALTH, INC. | $46K | — | $46K | 3.44% |
| LEAVITT GROUP3 Filed as: LEAVITT INSURANCE SERVICES OF LA | 21820 BURBANK BLVD SUITE 300 WOODLAND HILLS, CA 91367 | AETNA HEALTH, INC. | $32K | — | $32K | 2.41% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 12404 PARK CENTRAL DR SUITE #400S DALLAS, TX 75251 | AETNA HEALTH, INC. | $20K | — | $20K | 1.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 21820 BURBANK BLVD SUITE 301 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 5.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 12404 PARK CENTRAL DR SUITE #400S DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 4.94% |
| LEAVITT GROUP3 Filed as: LEAVITT INSURANCE SERVICES OF LA | 21820 BURBANK BLVD SUITE 300 WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 4.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | STANDARD INSURANCE COMPANY | $4K | $779 | $4K | 9.48% |
| LEAVITT GROUP3 Filed as: LEAVITT INSURANCE SERVICES OF LA | 21820 BURBANK BLVD SUITE 300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.22% |
| LEAVITT GROUP3 Filed as: LEAVITT INSURANCE SERVICES OF LA | 21820 BURBANK BLVD SUITE 300 WOODLAND HILLS, CA 91367 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 6.65% |
| LEAVITT GROUP3 Filed as: LEAVITT INSURANCE SERVICES | 21820 BURBANK BLVD., SUITE 300 WOODLAND HILLS, CA 91367 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | $2K | — | $2K | 13.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 323 WEST LAKESIDE AVENUE SUITE 410 CLEVELAND, OH 44113 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | $861 | — | $861 | 6.43% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 230 | $1.3M |
| Dental | AETNA LIFE INSURANCE CO. | 300 | $83K |
| Vision | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 249 | $13K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 168 | $63K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 168 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.