| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA LIFE INSURANCE COMPANY | $159K | — | $159K | 6.43% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F B P INSURANCE SERVICES, INC. | 130 THEORY STREET, SUITE 200 IRVINE, CA 92617 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $150K | $0 | $150K | 9.97% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $76K | $0 | $76K | 5.03% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | DEAN HEALTH PLAN INC | $9K | — | $9K | 1.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | PO BOX 896620 CHARLOTTE, NC 28289 | METLIFE LEGAL PLANS | $4K | $255 | $5K | 5.21% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | METLIFE LEGAL PLANS | $5K | $0 | $5K | 5.15% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: PRECEPT, A DIVISION OF MCGRIFF INS. | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | METLIFE LEGAL PLANS | $0 | $311 | $311 | 0.34% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD SUITE 3 FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $0 | $155 | $155 | 0.17% |
| LOCKTON COMPANIES, LLC3 | PO BOX 25277 TAMPA, FL 33622 | METLIFE LEGAL PLANS | $0 | $149 | $149 | 0.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | UNKNOWN PLEASANTON, CA 94588 | METLIFE LEGAL PLANS | $0 | $10 | $10 | 0.01% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | METLIFE LEGAL PLANS | $0 | $4 | $4 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 130 THEORY STREET, SUITE 200 IRVINE, CA 92617 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.23% |
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PASADENA, CA 91185 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.77% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS, INC. | 3010 BRIARPARK DRIVE, SUITE 8000 HOUSTON, TX 77042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $637 | $637 | 3.00% |
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 | 2,756 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN INC | 148 | $487K |
| Dental | AETNA LIFE INSURANCE COMPANY | 4,532 | $2.5M |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 2,756 | $1.5M |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 2,756 | $1.5M |
| Other(5 contracts, 5 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 2,756 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,532 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.