| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 4480 WILLOW RD PLEASANTON, CA 94588 | UNITEDHEALTHCARE INSURANCE COMPANY | $149K | — | $149K | 4.71% |
| F.B.P. INSURANCE SERVICES, LLC3 | 130 THEORY STREET STE 200 IRVINE, CA 92617 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 0.54% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SVCS OF CALIFORNIA I | 5546 THORNWOOD DR STE 200 SAN JOSE, CA 951231224 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $9K | $9K | 0.27% |
| MCGRIFF INSURANCE SERVICES INC3 | 750 B ST. STE. 2400 SAN DIEGO, CA 921012476 | KAISER FOUNDATION HEALTH PLAN INC | $30K | — | $30K | 4.93% |
| MCGRIFF INSURANCE SERVICES INC3 | 750 B STREET, SUITE 2400 STE. 2400 SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | $41K | — | $41K | 32.67% |
| MCGRIFF INSURANCE SERVICES INC3 | 628 GREEN VALLEY ROAD SUITE 304 GREENSBORO, NC 27408 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 6.66% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: JOHN BURNHAM SERVICES | PO BOX 129077 SAN DIEGO, CA 921129077 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.81% |
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 | 527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 742 | $3.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 742 | $3.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 503 | $38K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 707 | $127K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 707 | $127K |
| Other | HARTFORD LIFE AND ACCIDENT | 707 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 742 | — |
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.