| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 750 B STREET SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC. | $24K | — | $24K | 4.49% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 750 B STREET SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC. | $26K | — | $26K | 5.66% |
| EDWARD J. EYBSEN3 Filed as: EDWARD EYBSEN | 601 E DAILY DRIVE CAMARILLO, CA 93010 | KAISER FOUNDATION HEALTH PLAN INC. | -$5K | — | -$5K | -1.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3111 CAMINO DEL RIO SAN DIEGO, CA 92108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 11.26% |
| EDWARD J. EYBSEN3 | 601 E. DAILY DRIVE CAMARILLO, CA 93010 | SUN LIFE ASSURANCE COMPANY OF CANADA | $401 | — | $401 | 0.24% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 114 | $1.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 150 | $169K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 150 | $169K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 150 | $169K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 150 | $169K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 114 | $1.0M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 150 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.