| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | KAISER FOUNDATION HEALTH PLAN INC. | $81K | — | $81K | 2.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN INC. | — | $3K | $3K | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | METROPOLITAN LIFE INSURANCE COMPANY | $63K | $82 | $63K | 4.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25K | $25K | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 SMITH RANCH ROAD, SUITE 112 SAN RAFAEL, CA 94903 | CALIFORNIA PHYSICIAN'S SERVICE | $32K | $889 | $33K | 2.41% |
| UNKNOWN3 | UNKNOWN GLENDALE, CA 91201 | HARTFORD LIFE AND ACCIDENT | $126K | $24K | $150K | 14.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULDEVARD SUITE 600 GLENDALE, CA 91203 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 0.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $488 | $488 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | VISION SERVICE PLAN | $21K | — | $21K | 5.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $8K | — | $8K | 2.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | HYATT LEGAL PLANS | $5K | — | $5K | 10.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 101 LARKSPUR LANDING CIRCLE SUITE 120 LARKSPUR, CA 94939 | HYATT LEGAL PLANS | — | $549 | $549 | 1.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | HYATT LEGAL PLANS | — | $41 | $41 | 0.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $1K | — | $1K | 4.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $467 | $467 | 1.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $473 | — | $473 | 4.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITSACA, IL 60143 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $189 | $189 | 1.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $352 | — | $352 | 4.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $141 | $141 | 1.61% |
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 | 4,930 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 85 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,029 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 631 | $4.9M |
| Dental(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,373 | $1.8M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,008 | $664K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,930 | $1.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,930 | $1.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,930 | $1.0M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 631 | $4.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 4,930 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,930 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.