| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 750 B ST SAN DIEGO, CA 921018114 | KAISER FOUNDATION HEALTH PLAN INC | $92K | — | $92K | 2.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 999 SHADY GROVE SUITE 200 MEMPHIS, TN 38119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $93K | — | $93K | 18.46% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W FRIENDLY AVE FL 2 GREENSBORO, NC 27410 | DELTA DENTAL OF CALIFORNIA | $8K | — | $8K | 3.41% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3318 W FRIENDLY AVE FL 2 GREENSBORO, NC 27410 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 1.59% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 10 FRANKLIN RD SE STE 100 ROANOKE, VA 240112113 | AMERITAS LIFE INSURANCE CORP. | $10K | — | $10K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $4K | $4K | 3.59% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W FRIENDLY AVE FL 2 GREENSBORO, NC 27410 | DELTA DENTAL OF CALIFORNIA | $595 | — | $595 | 3.34% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3318 W FRIENDLY AVE FL 2 GREENSBORO, NC 27410 | DELTA DENTAL OF CALIFORNIA | $295 | — | $295 | 1.66% |
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 | 710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 435 | $3.3M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 395 | $238K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,080 | $102K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 727 | $505K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 727 | $505K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 727 | $505K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 435 | $3.3M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 727 | $505K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,080 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.