| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | BLUE CROSS OF CALIFORNIA | $4K | — | $4K | 1.91% |
| ROBERT A. FREDERICKS3 | 1200 NEVADA STREET, SUITE 102 REDLANDS, CA 92374 | BLUE CROSS OF CALIFORNIA | -$36 | — | -$36 | -0.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 750 B ST. STE 2400 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $471 | $1K | $2K | 33.92% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 750 B ST. STE 2400 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $290 | $527 | $817 | 42.31% |
| MCGRIFF INSURANCE SERVICES INC5 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE. RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $285 | $285 | 14.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 750 B ST. STE 2400 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $201 | $387 | $588 | 43.82% |
| MCGRIFF INSURANCE SERVICES INC5 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE. STE 201 RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $285 | $285 | 21.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 750 B ST. STE 2400 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $172 | $338 | $510 | 44.58% |
| MCGRIFF INSURANCE SERVICES INC5 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE. STE 201 RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $285 | $285 | 24.91% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 750 B ST. STE 2400 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $114 | $246 | $360 | 31.63% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 265 | $224K |
| Dental | BLUE CROSS OF CALIFORNIA | 265 | $224K |
| Vision | BLUE CROSS OF CALIFORNIA | 265 | $224K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 30 | $2K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 265 | $224K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 238 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.