| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 SUITE 100 CHARLOTE, NC 28289 | BLUE CROSS OF CALIFORNIA | $34K | $4K | $39K | 4.87% |
| MCGRIFF INSURANCE SERVICES INC3 | 999 SHADY GROVE SUITE 200 MEMPHIS, TN 38119 | SUN LIFE ASSSURANCE COMPANY OF CANADA | $9K | $1K | $11K | 12.64% |
| MCGRIFF INSURANCE SERVICES INC3 | 3111 CAMINO DEL RIO N SUITE 1100 SAN DIEGO, CA 92108 | SUN LIFE ASSSURANCE COMPANY OF CANADA | $885 | — | $885 | 1.04% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $982 | — | $982 | 5.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3111 CAMINO DEL RIO N STE 1100 SAN DIEGO, CA 92108 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $253 | $0 | $253 | 2.24% |
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 | 84 | 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) | 84 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 107 | $792K |
| Dental | SUN LIFE ASSSURANCE COMPANY OF CANADA | 132 | $85K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 107 | $809K |
| Life insurance | SUN LIFE ASSSURANCE COMPANY OF CANADA | 132 | $85K |
| Long-term disability | STANDARD INSURANCE COMPANY | 13 | $11K |
| Other | SUN LIFE ASSSURANCE COMPANY OF CANADA | 132 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.