| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | BLUE SHIELD OF CALIFORNIA | — | $37K | $37K | 4.21% |
| MCGRIFF INSURANCE SERVICES INC3 | 750 B ST SUITE 2400 SAN DIEGO, CA 92101 | SIMNSA | $25K | — | $25K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 541 NORTH MAIN STREET STE 100 MOUNT AIRY, NC 27030 | BLUE CROSS OF CALIFORNIA | $22K | $1K | $24K | 9.57% |
| MCGRIFF INSURANCE SERVICES INC3 | 750 B ST SUITE 2400 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $297 | $4K | 11.23% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO | 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $76 | — | $76 | 0.24% |
| MCGRIFF INSURANCE SERVICES INC3 | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $337 | $4K | 16.25% |
| MCGRIFF INSURANCE SERVICES INC3 | 3150 S MAIN ST HARRISONBURG, VA 22801 | WESTERN DENTAL | $1K | — | $1K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 750 B STREET SUITE 2400 SAN DIEGO, CA 92101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $830 | $117 | $947 | 12.34% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON CO | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $12 | $71 | 0.93% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD STE F GREENSBORO, NC 27409 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.57% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA | 750 B ST., SUITE 2400 SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $435 | — | $435 | 9.99% |
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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE SHIELD OF CALIFORNIA | 369 | $1.6M |
| Dental(3 contracts, 3 carriers) | SIMNSA | 369 | $752K |
| Vision | BLUE CROSS OF CALIFORNIA | 295 | $248K |
| Life insurance(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 295 | $283K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 30 | $8K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 295 | $248K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 194 | $888K |
| Other(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 295 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.