| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 0.98% |
| BROKERAGE SOLUTIONS INC3 Filed as: BROKERAGE SOLUTIONS, INC. | 3979 PARK TOWNE COURT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 17.40% |
| THOMAS L PETSCHE3 Filed as: THOMAS L. PETSCHE JR. | 3979 PARK TOWNE COURT NE CEDAR RAPIDS, IA 52402 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 6.62% |
| MARCOS T. MORALES3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 4.56% |
| SCOTT ALLAN MORSCH3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | STANDARD INSURANCE COMPANY | $246 | $0 | $246 | 0.72% |
| AMY YAMAMOTO3 | 16391 REDLANDS LANE HUNTINGTON BEACH, CA 92647 | STANDARD INSURANCE COMPANY | $177 | $0 | $177 | 0.52% |
| VALI NOURISHAD3 | 17901 VON KARMAN AVENUE, SUITE 1100 IRVINE, CA 92614 | STANDARD INSURANCE COMPANY | $11 | $0 | $11 | 0.03% |
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 | 619 | 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) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,455 | $5.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,455 | $5.1M |
| Vision | VISION SERVICE PLAN | 564 | $82K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 619 | $294K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 619 | $328K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 619 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,455 | — |
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."
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.