| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | P.O. BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | — | $20K | $20K | 3.36% |
| IMA, INC.3 | 430 E. DOUGLAS AVENUE SUITE 400 WICHITA, KS 67202 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.55% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 10.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 130 THEORY STREET SUITE 200 IRVINE, CA 926123065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $529 | $9K | 7.21% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM INSURANCE COMPANY | $12K | $990 | $13K | 16.25% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS INC | 14715 NE 95TH SUITE 200 REDMOND, WA 98052 | COMBINED INSURANCE | $5K | — | $5K | 25.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | P.O. BOX 6030 SUITE 100 PASADENA, CA 911026030 | METLIFE LEGAL PLANS | $2K | — | $2K | 8.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: PRECEPT, A DIVISION OF MCGRIFF | INSURANCE SERVICES 3605 GLENWOOD AVENUE, SUITE 201 RALEIGH, NC 27612 | METLIFE LEGAL PLANS | — | $81 | $81 | 0.41% |
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 | 1,435 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 1,268 | $14.3M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 1,851 | $57K |
| Vision | VISION SERVICE PLAN | 955 | $170K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,396 | $588K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,396 | $588K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,396 | $588K |
| Prescription drug(5 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 1,268 | $14.3M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 1,396 | $834K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,851 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.