| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC | PO BOX 39000 SAN FRANCISCO, CA 94139 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $104K | $3K | $107K | 2.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 39000 SAN FRANCISCO, CA 94139 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $79K | $17K | $96K | 1.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | UNKNOWN SAN FRANCISCO, CA 94139 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $0 | $8K | 0.15% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FINANCIAL SVCES | UNKNOWN LONG BEACH, CA 90815 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $220 | $220 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC | PO BOX 39000 SAN FRANCISCO, CA 94139 | AETNA HEALTH OF CALIFORNIA INC | $23K | $0 | $23K | 1.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 39000 SAN FRANCISCO, CA 94139 | AETNA HEALTH OF CALIFORNIA INC | $17K | $0 | $17K | 1.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC | PO BOX 39000 SAN FRANCISCO, CA 94139 | VSP | $6K | $0 | $6K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | UNKNOWN LONG BEACH, CA 90815 | CIGNA HEALTH AND INSURANCE COMPANY | $734 | $0 | $734 | 9.99% |
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 | 416 | 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) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 977 | $6.2M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 977 | $5.0M |
| Vision | VSP | 305 | $56K |
| Life insurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 977 | $5.0M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 977 | $5.0M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 977 | $5.0M |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 977 | $6.2M |
| Other | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 977 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 977 | — |
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.