| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 750 B ST STE 2400 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $21K | — | $21K | 4.13% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES, INC. | 1835 S EXTENSION RD MESA, AZ 85210 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 0.81% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 900 E HAMILTON AVE STE 350 CAMPBELL, CA 95008 | SUTTER HEALTH PLAN | $16K | — | $16K | 4.58% |
| THE MAHONEY GROUP3 | 1835 S EXTENSION RD MESA, AZ 85210 | SUTTER HEALTH PLAN | $1K | — | $1K | 0.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 900 E HAMILTON AVE SUITE 350 CAMPBELL, CA 95008 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 9.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $197 | $2K | 19.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 5446 THORNWOOD DRIVE #200 SAN JOSE, CA 95123 | EYEMED VISION CARE | $834 | — | $834 | 9.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SVCS | PO BOX 896620 CHARLOTTE, NC 28289 | CALIFORNIA DENTAL NETWORK, INC. | $484 | — | $484 | 9.97% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES, INC | 1835 S EXTENSION RD MESA, AZ 85210 | CALIFORNIA DENTAL NETWORK, INC. | $1 | — | $1 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $472 | $54 | $526 | 19.34% |
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 | 124 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 79 | $868K |
| Dental(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 184 | $66K |
| Vision | EYEMED VISION CARE | 152 | $9K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $13K |
| Prescription drug | SUTTER HEALTH PLAN | 74 | $356K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.