| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 5.45% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P O BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS | 3400 OVERTON PARK DR SE SUITE 300 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 13.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P O BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $506 | — | $506 | 1.84% |
| 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 | $2K | — | $2K | 10.61% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P O BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $813 | — | $813 | 4.39% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P O BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 55.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P O BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 55.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P O BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 54.99% |
| 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 | $267 | — | $267 | 11.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P O BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $84 | — | $84 | 3.59% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HMSA | 10 | $192K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $35K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $27K |
| Other(5 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.