| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1650 W END BLVD SUITE 100 ST. LOUIS PARK, MN 55416 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $28K | $28K | 3.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 8000 NORMAN CENTER DRIVE BLOOMINGTON, MN 55437 | UNITEDHEALTHCARE INSURANCE COMPANY | $497 | $16K | $17K | 2.15% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SVC., INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 10.83% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DR SUITE 400 BLOOMINGTON, MN 55437 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45201 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $917 | $917 | 0.65% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 105 | $1.5M |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $142K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $142K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $142K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $142K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.