| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC. | PO BOX 4147 TUSTIN, CA 92781 | BLUE CROSS OF CALIFORNIA | $286K | — | $286K | 2.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1104 AMHERST STREET WINCHESTER, VA 22601 | BLUE CROSS OF CALIFORNIA | $142K | — | $142K | 1.00% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES, LLC | 130 THEORY STREET SUITE 200 IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | — | $142K | $142K | 0.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012476 | KAISER FOUNDATION HEALTH PLAN, INC. | $91K | — | $91K | 1.48% |
| ACE BENEFIT PARTNERS, INC.3 Filed as: ACE BENEFIT PARTNERS | 1990 NORTH CALIFORNIA BLVD SUITE 900 WALNUT CREEK, CA 94596 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $11K | $11K | 2.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012476 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | — | $6K | 1.65% |
| ACE BENEFIT PARTNERS, INC.3 Filed as: ACE BENEFIT PARTNERS | 1990 NORTH CALIFORNIA BLVD SUITE 900 WAKNUT CREEK, CA 94596 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 2.50% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 1910 VAN KARMAN SUITE 900 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | — | $2K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 4480 WILLOW ROAD PLEASANTON, CA 94588 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BLVD SUITE 300 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | — | $497 | $497 | 1.70% |
| ACE BENEFIT PARTNERS, INC.3 Filed as: ACE BENEFIT PARTNERS | 1880 NORTH CALIFORNIA BLVD SUITE 900 WALNUT CREEK, CA 94596 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $421 | $421 | 2.50% |
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 | 1,748 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 2,243 | $20.9M |
| Vision | VISION SERVICE PLAN | 1,446 | $182K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,610 | $432K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,609 | $224K |
| Prescription drug(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 2,243 | $20.9M |
| Other(4 contracts, 3 carriers) | MANAGED HEALTH NETWORK | 1,771 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,243 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.