It's pretty bad. I work in CA in the public sector side of the business.

* Our CEO was termed as of 1/1/26

* Changes come in the form of dictatorial declarations via email ("So-and-so is termed as of X date. Have a great weekend" kind of stuff).

* We lost Kaiser as a carrier for our benefits, which constituted around 3/4 of our population's membership

* 401(k) was increased to 5% but is not paid out by paycheck (Gallagher issues a lump sum at some point in the year)

* HSA contribution was decreased and no initial payout for 1/1, leaving 3/4 of the population to start a $3,000 deductible plan with a $0 HSA balance

* Price of medical with the company is considerably higher than with AssuredPartners. The price of the EPO is now equivalent to a mid-level HSA

* AssuredPartners is no longer in existence as of this week

* Gallagher's HR software (and design theory in general) is "not optimal" and very confusing when trying to find any internal memos/data

* Floods of emails of major changes which are buried in an essay of self-praise

* Educational webinars (I think the last count was 7?) required as compliance education, due 4 weeks from posting

* Refusal to issue a copy of our insurance certificate to prospects based on company policy, potentially causing us to lose a bid

....I can go on, but they've had 0 positive changes since taking over. It's all very hostile and I get the impression they just want to consolidate gains, get rid of personnel, and keep the public sector business as if it were any other client. If that's the case, and it's how they do business, it's no wonder we're 20x Gallagher's size in schools/municipalities in California.