| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M & O AGENCIES INC3 Filed as: M & O AGENCIES, INC. | 1835 S EXTENSION RD MESA, AZ 85210 | KAISER FOUNDATION HEALTH PLAN INC | $47K | — | $47K | 3.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 1.60% |
| THE MAHONEY GROUP3 | 1835 S EXTENSION RD MESA, AZ 85210 | SUTTER HEALTH PLAN | $12K | — | $12K | 3.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 900 EAST HAMILTON AVE SUITE 350 CAMPBELL, CA 95008 | SUTTER HEALTH PLAN | $4K | — | $4K | 1.16% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1835 S EXTENSION RD MESA, AZ 85210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 5.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 550 S CALDWELL ST STE 1500 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $3K | $7K | 4.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3111 CAMINO DEL RIO N STE 1100 SAN DIEGO, CA 92108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $297 | — | $297 | 0.17% |
| M & O AGENCIES INC3 | 835 S EXTENSION RD MESA, AZ 85210 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $948 | — | $948 | 6.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $476 | $105 | $581 | 4.07% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 228 | $1.6M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 197 | $171K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 251 | $14K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 197 | $171K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 197 | $171K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 228 | $1.6M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 234 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.