| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $73K | $73K | 1.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $451 | $6K | $7K | 1.84% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$156 | $0 | -$156 | -0.04% |
| BROKERAGE SOLUTIONS INC3 Filed as: BROKERAGE SOLUTIONS, INC. | 3979 PARK TOWNE COURT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 20.92% |
| THOMAS L PETSCHE Filed as: THOMAS L. PETSCHE JR. | 3979 PARK TOWNE COURT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 7.63% |
| SCOTT ALLAN MORSCH3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 5.90% |
| VALI NOURISHAD3 | 17901 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92614 | STANDARD INSURANCE COMPANY | $446 | $0 | $446 | 1.25% |
| AMY YAMAMOTO3 | 16391 REDLANDS LANE HUNTINGTON BEACH, CA 92647 | STANDARD INSURANCE COMPANY | $396 | $0 | $396 | 1.11% |
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 | 821 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 875 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,544 | $8.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,544 | $4.7M |
| Vision | VISION SERVICE PLAN | 863 | $121K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 821 | $353K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 821 | $389K |
| Prescription drug | CIGNA HEALTHCARE OF CALIFORNIA | 812 | $3.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 821 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,544 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.