| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W FRIENDLY AVE GREENSBORO, NC 27410 | AETNA HEALTH INC. | $14K | $3K | $17K | 2.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 SUITE 201 CHARLOTTE, NC 28289 | AETNA HEALTH INC. | $8K | — | $8K | 0.99% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W FRIENDLY AVE GREENSBORO, NC 27410 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 1.73% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 1.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 130 THEORY, STE 200 IRVINE, CA 926173065 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 4.87% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P. INSURANCE SERVICES, INC. | 130 THEORY STE 200 IRVINE, CA 926173065 | KAISER FOUNDATION HEALTH PLAN INC | $70 | — | $70 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $1K | — | $1K | 4.70% |
| FBP INSURANCE SERVICES3 | 130 THEORY, STE 200 IRVINE, CA 92617 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES INC | 130 THEORY ST, STE 200 IRVINE, CA 926123065 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| FBP INSURANCE SERVICES3 | 130 THEORY, STE 200 IRVINE, CA 92617 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $981 | — | $981 | 10.00% |
| FBP INSURANCE SERVICES3 | 130 THEORY, STE 200 IRVINE, CA 92617 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $347 | — | $347 | 15.00% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES, INC | 130 THEORY, STE 200 IRVINE, CA 92617 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $198 | — | $198 | 10.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 130 THEORY STREET, SUITE 200 IRVINE, CA 92660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$932 | $344 | -$588 | — |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH INC. | 132 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $0 |
| Vision | VISION SERVICE PLAN | 144 | $30K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 162 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 162 | $25K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 162 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.