| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | KAISER FOUNDATION HEALTH PLAN, INC | $76K | — | $76K | 5.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 945831140 | SUTTER HEALTH PLAN | $36K | — | $36K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | GUARDIAN | $14K | $9K | $23K | 7.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MACLENNAN AGENCY LLC | 130 THEORY STREET #200 IRVINCE, CA 92660 | GUARDIAN | $17K | — | $17K | 5.35% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | AMERITAS LIFE INSURANCE CORP. | $4K | — | $4K | 7.34% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 945831140 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 2.66% |
| THE AGURS GROUP INC.4 Filed as: THE AGURS GROUP INC | 5721 FRENCH LACE CT NORTH LAS VEGAS, NV 890816490 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 13.14% |
| MCGRIFF INSURANCE SERVICES INC4 | 214 N TYRON ST FLOOR 46 CHARLOTTE, NC 28202 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $994 | — | $994 | 5.61% |
| TANYA WEST MACKEY4 | 4328 PALMERO BLVD LOS ANGELES, CA 900084928 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $25 | — | $25 | 0.14% |
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 | 997 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 999 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 272 | $2.2M |
| Dental | GUARDIAN | 362 | $314K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 594 | $48K |
| Life insurance | GUARDIAN | 362 | $314K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC | 272 | $2.2M |
| Other(3 contracts, 3 carriers) | GUARDIAN | 997 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 997 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.