| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| F.B.P. INSURANCE SERVICE LLC3 | THE PRECEPT GROUP 130 THEORY STREET STE 200 IRVINE, CA 92617 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $48K | — | $48K | 1.58% |
| MCGRIFF INSURANCE SERVICES INC0 | 130 THEORY, SUITE 200 IRVINE, CA 92612 | HARTFORD LIFE AND ACCIDENT | $115K | $204K | $318K | 11.98% |
| MCGRIFF INSURANCE SERVICES INC3 | — | MVP HEALTHCARE | $49K | — | $49K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | HARTFORD LIFE AND ACCIDENT | $16K | $15K | $31K | 7.67% |
| PRECEPT INSURANCE SOLUTIONS3 Filed as: THE PRECEPT GROUP, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| RUTH I LARKIN3 | 2000 WADSWORTH BLVD, #202 LAKEWOOD, CO 80214 | GENWORTH LIFE INSURANCE COMPANY | $7K | — | $7K | 8.02% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES, LLP | PO BOX 896620 CHARLOTTE, NC 282896620 | GENWORTH LIFE INSURANCE COMPANY | $2K | — | $2K | 2.74% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | GENWORTH LIFE INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $2K | — | $2K | 3.90% |
| RUTH LARKIN3 | 2000 WADSWORTH BLVD, #202 LAKEWOOD, CO 80214 | LIFESECURE INSURANCE COMPANY | $2K | — | $2K | 3.78% |
| J MANNING AND ASSOCIATES3 Filed as: J. MANNING & ASSOCIATES | 220 N GREEN ST. CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $1K | — | $1K | 2.52% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | LIFESECURE INSURANCE COMPANY | $865 | — | $865 | 1.80% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES INC | 130 THEORY, SUITE 200 IRVINE, CA 92617 | ACE AMERICAN INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F B P INSURANCE SERVICES | 130 THEORY STREET STE 200 RALEIGH, CA 92617 | ACE INSURANCE COMPANY | $4K | $15K | $19K | 77.53% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F B P INSURANCE SERVICES INC | 130 THEORY STREET SUITE 200 IRVINE, CA 92617 | ACE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
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 | 2,531 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 120 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,651 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,203 | $12.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $88K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,710 | $2.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,710 | $2.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,710 | $2.7M |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,203 | $11.3M |
| Other(9 contracts, 7 carriers) | HARTFORD LIFE AND ACCIDENT | 4,997 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,997 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.