| 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. | $33K | — | $33K | 1.31% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $173K | — | $173K | 7.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF CT #200 RALEIGH, NC 27604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 0.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $76K | — | $76K | 7.31% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEECHLEAF CT RALEIGH, NC 27604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 0.63% |
| RUTH I LARKIN3 | 2049 WADSWORTH BLVD STE K, BOX 202 LAKEWOOD, CO 80214 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 7.93% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | GENWORTH LIFE INSURANCE COMPANY | $3K | — | $3K | 3.97% |
| SENIOR COMMISSION FUNDING LLC3 | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $2K | — | $2K | 3.86% |
| RUTH LARKIN3 | 2049 WADSWORTH BLVD, #202 LAKEWOOD, CO 80214 | LIFESECURE INSURANCE COMPANY | $2K | — | $2K | 3.74% |
| J MANNING AND ASSOCIATES3 Filed as: J. MANNING & ASSOCIATES | 220 N GREEN ST. CHICAGO, IL 60607 | LIFESECURE INSURANCE COMPANY | $1K | — | $1K | 2.50% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | LIFESECURE INSURANCE COMPANY | $855 | — | $855 | 1.78% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 130 THEORY STREET STE 200 RALEIGH, CA 92617 | ACE AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.34% |
| PRECEPT INSURANCE SOLUTIONS3 Filed as: THE PRECEPT GROUP, INC. | 130 THEORY STE 200 IRVINE, CA 92617 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $396 | — | $396 | 13.00% |
| PRECEPT INSURANCE SOLUTIONS3 Filed as: THE PRECEPT GROUP, INC. | — | DELTA DENTAL OF CALIFORNIA | — | — | $0 | — |
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 | 3,165 | 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) | 3,165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,370 | $12.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 440 | $3K |
| Vision | VISION SERVICE PLAN | 2,694 | $1.1M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,263 | $2.4M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 876 | $15K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,233 | $1.0M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 1,370 | $10.0M |
| Other(7 contracts, 6 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,263 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,263 | — |
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.