| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN, INC. | $119K | $0 | $119K | 5.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN PHOENIX, AZ 85012 | AETNA LIFE INSURANCE COMPANY | $40K | $9K | $49K | 2.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN SCOTTSDALE, AZ 85260 | AETNA LIFE INSURANCE COMPANY | $48K | $0 | $48K | 2.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN SCOTTSDALE, AZ 85260 | AETNA HEALTH OF CALIFORNIA, INC. | $45K | $0 | $45K | 2.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN PHOENIX, AZ 85012 | AETNA HEALTH OF CALIFORNIA, INC. | $40K | $0 | $40K | 2.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | UNKNOWN LOS ANGELES, CA 90059 | DELTA DENTAL OF CALIFORNIA | $21K | $0 | $21K | 7.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36K | $0 | $36K | 14.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 1.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $12K | $0 | $12K | 34.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $750 | $750 | 2.21% |
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 | 487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 305 | $5.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 722 | $306K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 490 | $239K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 490 | $239K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 490 | $239K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 305 | $5.9M |
| Other(6 contracts, 6 carriers) | AETNA LIFE INSURANCE COMPANY | 522 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 722 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.