| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET-4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $104K | $104K | 4.60% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 SUITE 1100 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $9K | $9K | 0.40% |
| RSC INSURANCE BROKERAGE INC3 | 2270 DOUGLAS BLVD., STE 220 ROSEVILLE, CA 95661 | KAISER FOUNDATION HEALTH PLAN, INC. | $20K | — | $20K | 4.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE INC | 750 B ST STE 2400 SAN DIEGO, CA 921012478 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 0.74% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 7.65% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $4K | $18K | 5.87% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $14K | 4.73% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 3.85% |
| RSC INSURANCE BROKERAGE INC3 | 2270 DOUGLAS BLVD, STE 220 ROSEVILLE, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 3.41% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 750 B STREET, STE 2400 SAN DIEGO, CA 921012476 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 1.08% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVE STE 200 ST PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $1K | — | $1K | 11.74% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | METLIFE LEGAL PLANS | $897 | — | $897 | 9.33% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG I, SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | — | $483 | $483 | 5.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES (CA) | 3111 CAMINO DEL RIO N SUITE 1100 SAN DIEGO, CA 92108 | METLIFE LEGAL PLANS | $64 | — | $64 | 0.67% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE SERVICES IN | 160 FEDERAL ST - FL 4 BOSTON, MA 02110 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $326 | — | $326 | 6.21% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $198 | $50 | $248 | 4.72% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $198 | $198 | 3.77% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $70 | $20 | $90 | 1.71% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $2.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 494 | $311K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 494 | $306K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 494 | $306K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 494 | $306K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 494 | $306K |
| Prescription drug(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $2.9M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 494 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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.
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.