| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBP INSURANCE SERVICES3 | 130 THEORY ST STE 200 IRVINE, CA 926173065 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $120K | $120K | 4.32% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES INC | 130 THEORY ST, STE 200 IRVINE, CA 926123065 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | — | $13K | 9.93% |
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEECHLEAF CT SUITE 200 RALEIGH, NC 276041547 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 168 EMPLOYEE BENEFITS WINSTON-SALEM, NC 27102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.88% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $22 | $22 | 0.02% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $18 | $18 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 19.64% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES INC. | 130 THEORY SUITE 200 IRVINE, CA 926123065 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $628 | — | $628 | 10.00% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES LLC | 130 THEORY STREET SUITE 200 IRVINE, CA 926123065 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $24 | — | $24 | 9.96% |
| FPB INSURANCE SERVICES3 Filed as: FPB INSURANCE SERVICES INC. | 130 THEORY ST. SUITE 200 IRVINE, CA 926123065 | CIGNA DENTAL HEALTH OF NORTH CAROLINA | $18 | — | $18 | 9.94% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES INC. | 130 THEORY SUITE 200 IRVINE, CA 926123065 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $8 | — | $8 | 10.00% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 313 | $2.8M |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 146 | $142K |
| Vision | VISION SERVICE PLAN | 146 | $19K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 150 | $114K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 150 | $114K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 150 | $114K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 150 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.