| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENDER BENEFITS AND INSURANCE SVCES3 Filed as: BENDER BENEFITS AND INSUR SVCES INC | 22431 ANTONIO PARKWAY SUITE B160 RANCHO SANTA MARGARITA, CA 92688 | KAISER FOUNDATION HEALTH PLAN INC | $61K | — | $61K | 2.92% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS | 5605 GLENRIDGE DRIVE SUITE 300 ATLANTA, GA 30342 | KAISER FOUNDATION HEALTH PLAN INC | $42K | — | $42K | 2.03% |
| BENDER BENEFITS AND INSURANCE SVCES3 Filed as: BENDER BENEFITS AND INSURANCE SERV | 22431 ANTONIO PARKWAY SUITE B160 RANCHO SANTA MARGARITA, CA 92688 | KAISER FOUNDATION HEALTH PLAN INC | $32K | — | $32K | 3.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30342 | KAISER FOUNDATION HEALTH PLAN INC | $21K | — | $21K | 2.21% |
| BENDER BENEFITS AND INSURANCE SVCES3 | 22431 ANTONIO PKWY SUITE B160 RANCHO SANTA MARGARITA, CA 92688 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 3.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS INC | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.27% |
| BENDER BENEFITS AND INSURANCE SVCES3 | 22431 ANTONIO PKWY SUITE 698 RANCHO SANTA MARGARITA, CA 92688 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 15.35% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS - AL | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 3.51% |
| BENDER BENEFITS AND INSURANCE SVCES3 Filed as: BENDER BENEFITS INC | 22431 ANTONIO PARKWAY B160 #698 RANCHO SANTA MARGARITA, CA 92688 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.68% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS | 3400 OVERTON PARK DRIVE SE SUITE 300 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $314 | — | $314 | 1.13% |
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 | 515 | 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) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 357 | $3.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 542 | $414K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 542 | $414K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.