| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERV USA | 10940 WHITE ROCK ROAD 2ND FLR RANCHO CORDOVA, CA 95670 | CALIFORNIA PHYSICIANS' SERVICE | — | $3K | $3K | 0.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 21250 HAWTHORNE BLVD STE 600 TORRANCE, CA 90503 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 9.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 21250 HAWTHORNE BLVD STE 600 TORRANCE, CA 90503 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 360 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 261 | $2.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 616 | $170K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 616 | $170K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $35K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 261 | $2.7M |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.