| 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. | $79K | — | $79K | 3.00% |
| 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. | $241 | — | $241 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 STE 200 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.74% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.81% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | METLIFE LEGAL PLANS | $2K | $145 | $2K | 10.11% |
| MCGRIFF INSURANCE SERVICES INC3 | 12725 MORRIS ROAD EXT STE 200 ALPHARETTA, GA 30004 | METLIFE LEGAL PLANS | — | $143 | $143 | 0.84% |
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 | 569 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 203 | $2.6M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 623 | $186K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 623 | $77K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 623 | $164K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 674 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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."
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.