Form 5500 · Employee benefit plan · PHOENIX, AZ
GALLAGHER & KENNEDY, P.A.
The filing calls this plan GALLAGHER & KENNEDY, P.A. WELFARE BENEFIT PLAN.
GALLAGHER & KENNEDY, P.A. of PHOENIX, AZ is a 120-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is CBIZ BENEFITS & INSURANCE SERVICES. Coverage is written through BLUE CROSS BLUE SHIELD OF ARIZONA and 2 other carriers. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 86-0489397 · plan 501 · plan year 2025, filed Jul 21, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 3 insured contracts covering health, vision and life; the largest, with BLUE CROSS BLUE SHIELD OF ARIZONA, covers 133 people.
Reported premium across the insured contracts is $1,817,148, with $105,929 in disclosed broker commissions — about 5.8% of premium.
The health contract's policy period ended in January, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
CBIZ BENEFITS & INSURANCE SERVICES is the broker of record on all 3 contracts.
3 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF ARIZONA, STANDARD INSURANCE COMPANY and METROPOLITAN LIFE INSURANCE COMPNAY. BLUE CROSS BLUE SHIELD OF ARIZONA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA | Health | 133 | — | $1,754,592 | $95,801 |
| STANDARD INSURANCE COMPANY | Life | 117 | Jan 2, 2025 | $61,766 | $9,338 |
| METROPOLITAN LIFE INSURANCE COMPNAY | Vision | 162 | Jan 1, 2026 | $790 | $790 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 172210. For the contract year on this filing, the carrier reported $61,766 in premium earned and $643 in claims incurred. Dividing one by the other gives 1%.
- STANDARD INSURANCE COMPANY, contract 172210 reported $61,121 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Other plans filed by this employer
How this plan compares
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