| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 130 THEORY, STE 200 IRVINE, CA 926173065 | KAISER FOUNDATION HEALTH PLAN, INC. | $71K | — | $71K | 1.75% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 130 THEORY STREET, STE 200 IRVINE, CA 926173065 | KAISER FOUNDATION HEALTH PLAN, INC. | $31K | — | $31K | 0.76% |
| PRECEPT INSURANCE SOLUTIONS3 | 130 THEORY IRVINE, CA 92617 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $10K | — | $10K | 3.97% |
| PRECEPT INSURANCE SOLUTIONS3 | 130 THEORY IRVINE, CA 92617 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $9K | — | $9K | 4.02% |
| PRECEPT INSURANCE SOLUTIONS3 | 130 THEORY IRVINE, CA 92617 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $4K | — | $4K | 4.02% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | METLIFE LEGAL PLANS | $880 | $65 | $945 | 5.42% |
| F.B.P. INSURANCE SERVICES, LLC3 | 130 THEORY SUITE 200 IRVINE, CA 92617 | METLIFE LEGAL PLANS | $733 | $161 | $894 | 5.13% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | METLIFE LEGAL PLANS | $355 | — | $355 | 2.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE, INC. | 12725 MORRIS ROAD EXT STE 200 ALPHARETTA, GA 30004 | METLIFE LEGAL PLANS | — | $81 | $81 | 0.46% |
| F.B.P. INSURANCE SERVICES, LLC3 | 2010 CROW CANYON PLACE SUITE 320 SAN RAMON, CA 945831344 | METLIFE LEGAL PLANS | — | $64 | $64 | 0.37% |
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 | 1,028 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,032 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 675 | $4.1M |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 985 | $256K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,981 | $109K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 984 | $231K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 675 | $4.1M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,031 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,981 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.