| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | PO BOX 203588 DALLAS, TX 75320 | PRINCIPAL LIFE INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES | 10 SOUTH WACKER DR FLOOR 17 CHICAGO, IL 60606 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 7.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 305 WALNUT STREET REDWOOD CITY, CA 94063 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $10K | 4.77% |
| WELLS FARGO INSURANCE SERVICES3 | 21250 HAWTHORNE BLVD SUITE 600 TORRANCE, CA 90503 | FOUR EVER LIFE INS CO | $5K | — | $5K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | 21250 HAWTHORNE BLVD. SUITE 600 TORRANCE, CA 90503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $2 | $1K | 14.57% |
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 | 1,491 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | WESTPORT INSURANCE CORP | 1,492 | $1.3M |
| Dental(2 contracts, 2 carriers) | WESTPORT INSURANCE CORP | 1,492 | $1.3M |
| Vision(2 contracts, 2 carriers) | WESTPORT INSURANCE CORP | 1,492 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | WESTPORT INSURANCE CORP | 1,492 | $1.4M |
| Short-term disability | WESTPORT INSURANCE CORP | 1,492 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | WESTPORT INSURANCE CORP | 1,492 | $1.4M |
| Prescription drug | WESTPORT INSURANCE CORP | 1,492 | $1.1M |
| Other(2 contracts, 2 carriers) | WESTPORT INSURANCE CORP | 1,492 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,492 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.