| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 541 NORTH MAIN STREET SUITE 100 MOUNT AIRY, NC 27030 | BLUE CROSS OF CALIFORNIA | $67K | — | $67K | 4.10% |
| DEBORAH UPLAND3 | 1519 SOUTH B STREET SAN MATEO, CA 94402 | BLUE CROSS OF CALIFORNIA | $19K | — | $19K | 1.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 4.41% |
| DEBORAH UPLAND3 | 1519 SOUTH B STREET SAN MATEO, CA 944022435 | METROPOLITAN LIFE INSURANCE COMPANY | $316 | — | $316 | 0.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012476 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 3.39% |
| DEBORAH UPLAND3 | 1519 SOUTH B STREET SAN MATEO, CA 944022435 | KAISER FOUNDATION HEALTH PLAN INC | $191 | — | $191 | 0.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | VSP | $2K | — | $2K | 7.32% |
| DEBBIE UPLAND3 | 1519 SOUTH B STREET SAN MATEO, CA 94402 | VSP | $143 | — | $143 | 0.68% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $716 | — | $716 | 4.01% |
| DEBORAH UPLAND3 Filed as: DEBORAH E UPLAND | 1519 SOUTH B STREET SAN MATEO, CA 94402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $225 | — | $225 | 1.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.46% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $619 | — | $619 | 3.51% |
| DEBORAH UPLAND3 Filed as: DEBORAH E UPLAND | 1519 SOUTH B STREET SAN MATEO, CA 94402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $159 | — | $159 | 0.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $303 | — | $303 | 2.30% |
| DEBORAH UPLAND3 Filed as: DEBORAH E UPLAND | 1519 SOUTH B STREET SAN MATEO, CA 94402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $86 | — | $86 | 0.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $887 | — | $887 | 9.51% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $173 | — | $173 | 1.86% |
| DEBORAH UPLAND3 Filed as: DEBORAH E UPLAND | 1519 SOUTH B STREET SAN MATEO, CA 94402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $76 | — | $76 | 0.82% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 262 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $98K |
| Vision | VSP | 148 | $21K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $27K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $18K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 4 | $36K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 184 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.