| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 3111 CAMINO DEL RIO NORTH SUITE 1100 SAN DIEGO, CA 92108 | CALIFORNIA PHYSICIANS' SERVICE DBA BLUE SHIELD OF CALIFORNIA | $59K | — | $59K | 4.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | P.O. BOX 31128 RALEIGH, NC 27622 | WESTERN HEALTH ADVANTAGE | $33K | — | $33K | 5.51% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | 10.27% |
| NATIONAL ACCOUNT SERVICES3 Filed as: NATIONAL ACCOUNT SERVICES INC | 8777 N GAINEY CENTER DR DR STE 260 SCOTTSDALE, AZ 852582117 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $60 | $6K | 4.70% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.67% |
| MCGRIFF INSURANCE SERVICES INC3 | 3111 CAMINO DEL RIO N STE 1100 SAN DIEGO, CA 92108 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 14.95% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | 11111 SANTA MONICA BLVD STE 1150 LOS ANGELES, CA 90025 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.98% |
| MCGRIFF INSURANCE SERVICES INC3 | 3111 CAMINO DEL RIO N STE 1100 SAN DIEGO, CA 92108 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | 11111 SANTA MONICA BLVD STE 1150 LOS ANGELES, CA 90025 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3111 CAMINO DEL RIO N STE 1100 SAN DIEGO, CA 92108 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| TOTALIS BENEFITS3 Filed as: TOTALIS BENEFITS INC | 11111 SANTA MONICA BLVD STE 1150 LOS ANGELES, CA 90025 | STANDARD INSURANCE COMPANY | $342 | — | $342 | 5.00% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE DBA BLUE SHIELD OF CALIFORNIA | 100 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 169 | $135K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 169 | $135K |
| Life insurance | STANDARD INSURANCE COMPANY | 93 | $36K |
| Short-term disability | STANDARD INSURANCE COMPANY | 93 | $7K |
| Long-term disability | STANDARD INSURANCE COMPANY | 93 | $30K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE DBA BLUE SHIELD OF CALIFORNIA | 100 | $1.9M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 112 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.