| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MAHONEY GROUP3 | 1835 S EXTENSION RD MESA, AZ 85210 | SUTTER HEALTH PLAN | $34K | — | $34K | 4.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 900 E HAMILTON AVE STE 350 CAMPBELL, CA 95008 | SUTTER HEALTH PLAN | $7K | — | $7K | 0.81% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | WESTERN HEALTH ADVANTAGE | $25K | — | $25K | 3.78% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 31128 RALEIGH, NC 27622 | WESTERN HEALTH ADVANTAGE | $5K | — | $5K | 0.80% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 3.39% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012476 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 0.96% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | AMERITAS LIFE INSURANCE CORP. | $11K | — | $11K | 8.17% |
| MCGRIFF INSURANCE SERVICES INC3 | 47 AIRPARK CT PO BOX 27149 GREENSBORO, SC 29616 | AMERITAS LIFE INSURANCE CORP. | — | $5K | $5K | 3.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 94583 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 1.83% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | VISION SERVICE PLAN | $1K | — | $1K | 3.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $329 | — | $329 | 0.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | PO BOX 896620 CHARLOTTE, NC 28289 | METLIFE LEGAL PLANS | $2K | $670 | $3K | 9.48% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES | 1835 S EXTENSION RD MESA, AZ 85210 | METLIFE LEGAL PLANS | $924 | — | $924 | 2.96% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $139 | $2K | 9.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $192 | $14 | $206 | 1.00% |
| THE MAHONEY GROUP3 | 1835 S EXTENSION RD MESA, AZ 85210 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | — | $2K | 12.85% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $85 | $1K | 9.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $134 | $10 | $144 | 1.14% |
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 | 497 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SUTTER HEALTH PLAN | 162 | $2.0M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 816 | $134K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 816 | $174K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 497 | $33K |
| Prescription drug(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 162 | $1.3M |
| Other(4 contracts, 3 carriers) | METLIFE LEGAL PLANS | 497 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 816 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.