| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3150 MAIN STREET HARRISONBURG, VA 22801 | BLUE CROSS OF CALIFORNIA | $220K | $0 | $220K | 1.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1104 AMHERST STREET WINCHESTER, VA 22601 | BLUE CROSS OF CALIFORNIA | $177K | $0 | $177K | 1.23% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES LLC | 2000 CROW CANYON PLACE SUITE 220 SAN RAMON, CA 94583 | BLUE CROSS OF CALIFORNIA | $0 | $142K | $142K | 0.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 750 B STREET, SUITE 2400 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $101K | $0 | $101K | 1.49% |
| ACE BENEFIT PARTNERS, INC.3 Filed as: ACE BENEFIT PARTNERS | 1013 EAST WINDING CREEK DRIVE EAGLE, ID 83616 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $11K | $11K | 2.50% |
| M3 INS SOLUTIONS INC3 Filed as: BB AND T INS. SVCS. OF CALIFORNIA | 19100 VAN KARMAN, SUITE 900 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $126 | $0 | $126 | 0.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4480 WILLOW ROAD, SUITE 110 PLEASANTON, CA 94588 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 15.00% |
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 | 1,645 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 2,081 | $21.2M |
| Vision | VISION SERVICE PLAN | 1,380 | $180K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,645 | $444K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,645 | $444K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 2,081 | $21.2M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,645 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,081 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.