| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JOHNSON & DUGAN INS. SERVICES | 455 HICKEY BLVD, STE 416 DALY CITY, CA 940152630 | KAISER FOUNDATION HEALTH PLAN INC. | $45K | — | $45K | 3.59% |
| KENNETH B. MCLAUGHLIN3 Filed as: KENNETH BRIAN MCLAUGHLIN | 1001 ELM STREET SUITE 301 MANCHESTER, NH 031011845 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | — | $11K | 0.90% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT, LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 25.00% |
| MCLAUGHLIN, KENNETH, BRIAN3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $687 | — | $687 | 8.42% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS LLC | 1001 ELM STREET SUITE 301 MANCHESTER, NH 03101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $68 | $68 | 0.83% |
| MCLAUGHLIN, KENNETH, BRIAN3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $187 | — | $187 | 2.49% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS LLC | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $85 | $9 | $94 | 1.25% |
| MCLAUGHLIN, KENNETH, BRIAN3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $620 | — | $620 | 11.19% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS LLC | 1001 ELM STREET SUITE 301 MANCHESTER, NH 03101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $101 | $101 | 1.82% |
| MCLAUGHLIN, KENNETH, BRIAN3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 1.90% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS LLC | 1001 ELM STREET SUITE 301 MANCHESTER, NH 03101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.34% |
| MCLAUGHLIN, KENNETH, BRIAN3 | 1001 ELM STREET, SUITE 301 MANCHESTER, NH 03101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 9.84% |
| GRANITE GROUP BENEFITS, LLC3 Filed as: GRANITE GROUP BENEFITS LLC | 1001 ELM STREET SUITE 301 MANCHESTER, NH 03101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4 | $4 | 0.44% |
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 | 726 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 194 | $1.3M |
| Long-term disability(5 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 23 | $24K |
| Other | FEDERAL INSURANCE COMPANY | 726 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.