| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3838 CAMINO DEL RIO N, SUITE 315 SAN DIEGO, CA 92108 | SIMNSA | $3K | — | $3K | 5.05% |
| CAVIGNAC & ASSOCIATES3 | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | SIMNSA | $1K | — | $1K | 1.95% |
| JWCIB, INC.3 Filed as: JWCIB INC. | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | STANDARD INSURANCE COMPANY | $923 | — | $923 | 1.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3838 CAMINO DEL RIO N, SUITE 200 SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $720 | $3K | 8.72% |
| JWCIB, INC.3 | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3838 CAMINO DEL RIO N, SUITE 200 SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $541 | $2K | 8.69% |
| JWCIB, INC.3 | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $892 | — | $892 | 3.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: DBS - ARTHUR J GALLAGHER & CO. | 3838 CAMINO DEL RIO N, SUITE 315 SAN DIEGO, CA 92108 | EYEMED VISION CARE | $3K | — | $3K | 9.94% |
| CAVIGNAC & ASSOCIATES3 | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | EYEMED VISION CARE | $667 | — | $667 | 2.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3838 CAMINO DEL RIO N, SUITE 200 SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $231 | $2K | 7.72% |
| JWCIB, INC.3 | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $732 | — | $732 | 3.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3838 CAMINO DEL RIO N, SUITE 200 SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $315 | $1K | 8.74% |
| JWCIB, INC.3 | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $507 | — | $507 | 3.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 3838 CAMINO DEL RIO N, SUITE 315 SAN DIEGO, CA 92108 | CALIFORNIA DENTAL NETWORK, INC. | $269 | — | $269 | 6.15% |
| CAVIGNAC & ASSOCIATES3 | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | CALIFORNIA DENTAL NETWORK, INC. | $169 | — | $169 | 3.87% |
| JWCIB, INC.3 Filed as: JWCIB INC. | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $147 | — | $147 | 5.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | STANDARD INSURANCE COMPANY | $100 | — | $100 | 4.04% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIMNSA | 29 | $62K |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 481 | $193K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 366 | $29K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $51K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $27K |
| Prescription drug | SIMNSA | 29 | $62K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.