| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 3111 CAMINO DEL RIO N SUITE 1100 SAN DIEGO, CA 92108 | BLUE SHIELD OF CALIFORNIA, CALIFORNIA PHYSICIANS' SERVICE | — | $93K | $93K | 4.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEEF CT SUITE 200 RALEIGH, NC 27604 | PREMIER ACCESS INSURANCE COMPANY | $5K | — | $5K | 6.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 3130 CROW CANYON PLACE SUITE 400 SAN RAMON, CA 94583 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 11.87% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | — | $502 | $502 | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | VISION SERVICE PLAN | $660 | — | $660 | 2.71% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $574 | — | $574 | 2.36% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA, CALIFORNIA PHYSICIANS' SERVICE | 196 | $1.9M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 232 | $80K |
| Vision | VISION SERVICE PLAN | 149 | $24K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 218 | $40K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 218 | $40K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA, CALIFORNIA PHYSICIANS' SERVICE | 196 | $1.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 218 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.