| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 1.36% |
| BROKERAGE SOLUTIONS INC3 Filed as: BROKERAGE SOLUTIONS, INC. | 3979 PARK TOWNE COURT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 16.70% |
| SCOTT ALLAN MORSCH3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 3.59% |
| THOMAS L PETSCHE3 Filed as: THOMAS L. PETSCHE JR. | 3979 PARK TOWNE COURT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $823 | $0 | $823 | 2.86% |
| AMY YAMAMOTO3 | 16391 REDLANDS LANE HUNTINGTON BEACH, CA 92647 | STANDARD INSURANCE COMPANY | $236 | $0 | $236 | 0.82% |
| VALI NOURISHAD3 | 17901 VON KARMAN AVENUE, SUITE 1100 IRVINE, CA 92614 | STANDARD INSURANCE COMPANY | $93 | $0 | $93 | 0.32% |
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 | 611 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 642 | 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 | 1,215 | $7.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,215 | $4.4M |
| Vision | VISION SERVICE PLAN | 685 | $100K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 611 | $322K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 611 | $351K |
| Prescription drug | CIGNA HEALTHCARE OF CALIFORNIA | 608 | $3.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 611 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,215 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.