| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 750 B STREET SAN DIEGO, CA 92101 | UNITED HEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 3.07% |
| ADSH INVESTMENTS3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | UNITED HEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 2.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 750 B STREET SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 2.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3111 CAMINO DEL RIO N SAN DIEGO, CA 92108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $1K | $4K | 11.00% |
| ADSH INVESTMENTS3 | 23716 BIRTCHER DRIVE LAKE FOREST, CA 92630 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 7.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 750 B STREET SAN DIEGO, CA 92101 | UNITED HEALTHCARE INSURANCE COMPANY | $331 | — | $331 | 8.85% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N. 40TH STREET PHOENIZ, AZ 85018 | UNITED HEALTHCARE INSURANCE COMPANY | $37 | — | $37 | 0.99% |
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 | 118 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 236 | $989K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 236 | $910K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 236 | $910K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 118 | $4K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 76 | $32K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 236 | $989K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 118 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.