| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012479 | PREMERA BLUE CROSS | $79K | — | $79K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 750 B STREET SUITE 2400 SAN DIEGO, CA 921012476 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $705 | $8K | 5.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 750 B ST STE 2400 SAN DIEGO, CA 921012476 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $24 | $4K | 3.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $848 | $848 | 0.63% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE. STE 201 RALEIGH, NC 274123908 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.02% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 2400 E. KATELLA AVENUE SUITE 1100 ANAHEIM, CA 928065980 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 2400 E KATELLA AVE STE 1100 ANAHEIM, CA 928065980 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.78% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA INC. | 750 B ST. STE 2400 SAN DIEGO, CA 921012476 | PRINCIPAL LIFE INSURANCE COMPANY | — | $738 | $738 | 0.86% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 750 B ST STE 2400 SAN DIEGO, CA 981241315 | VISION SERVICE PLAN | $664 | — | $664 | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 4480 WILLOW RD PLEASANTON, CA 945888519 | VISION SERVICE PLAN | $394 | — | $394 | 2.37% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 535 N. BRAND BL. GLENDALE, CA 91203 | MHN SERVICES, LLC | $101 | — | $101 | 4.14% |
| MCGRIFF INSURANCE SERVICES INC3 | 750 B STREET STE 2400 SAN DIEGO, CA 92101 | MHN SERVICES, LLC | $42 | — | $42 | 1.72% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 133 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 267 | $86K |
| Vision(2 contracts, 2 carriers) | PREMERA BLUE CROSS | 133 | $1.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $134K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $134K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $134K |
| Prescription drug | PREMERA BLUE CROSS | 133 | $1.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
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.