| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBP INSURANCE SERVICES3 | 130 THEORY ST., SUITE 200 IRVINE, CA 92617 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $18K | $18K | 1.31% |
| FBP INSURANCE SERVICES3 | 130 THEORY ST., SUITE 200 IRVINE, CA 92617 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $16K | $16K | 1.26% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 10.30% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET SOUTH SUITE 102 BIRMINGHAM, AL 35233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 4.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 3.40% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET SOUTH SUITE 102 BIRMINGHAM, AL 35233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 1.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 5.60% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET SOUTH SUITE 102 BIRMINGHAM, AL 35233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | EB COMMISSIONS PO BOX 89662 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $571 | $8K | 4.80% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP | 3350 RIVERWOOD PARKWAY 80 SUTTE 500 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 2.87% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET SOUTH SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.19% |
| FBP INSURANCE SERVICES3 | 130 THEORY ST., SUITE 200 IRVINE, CA 92617 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | EB COMMISSIONS PO BOX 89662 CHARLOTTE, NC 28289 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 32.46% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES - MACE BENEFITS GROUP INC | 3350 RIVERWOOD PARKWAY 80 SUITE 80 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $183 | — | $183 | 8.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | EB COMMISSIONS PO BOX 89662 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 0.92% |
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 | 5,152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 811 | $8.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 7,654 | $3.4M |
| Vision | VISION SERVICE PLAN | 3,445 | $540K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,760 | $1.6M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,152 | $830K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,197 | $1.2M |
| Prescription drug(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 542 | $8.4M |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,152 | $764K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,654 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.