| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | AETNA HEALTH, INC. | $10K | $0 | $10K | 4.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | AETNA LIFE INSURANCE CO. | $9K | $0 | $9K | 4.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 23.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 505 NORTH BRAND BOULEVARD GLENDALE, CA 91203 | EYEMED | $260 | $0 | $260 | 7.50% |
| MICHAEL J. RINKE3 Filed as: MICHAEL J RINKE | 2150 PICKWICK DRIVE #1116 CAMARILLO, CA 93010 | TRANSAMERICA LIFE INSURANCE COMPANY | $31 | $0 | $31 | 2.51% |
| IRINA LESNYKH3 | 5112 TOPANGA CANYON BLVD WOODLAND HILLS, CA 91364 | TRANSAMERICA LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.97% |
| RENEE SUZANNE CORSO3 Filed as: RENEE S CORSO | 5805 SEPULVEDA BLVD #700 SHERMAN OAKS, CA 91411 | TRANSAMERICA LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.49% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 124 | $379K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $8K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 148 | $183K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $3K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $3K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.