| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1650 W. END BLVD. SUITE 100 ST. LOUIS PARK, MN 554165369 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 3.96% |
| HEFFERNAN INSURANCE BROKERS3 | P.O. BOX 4006 ATTN D SUNIGA/ACCOUNTING WALNUT CREEK, CA 945961796 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.92% |
| IMA, INC.3 | 430 E. DOUGLAS AVENUE SUITE 400 WICHITA, KS 672023409 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.46% |
| HEFFERNAN INSURANCE BROKERS3 | P.O. BOX 4006 WALNUT CREEK, CA 94596 | UNITEDHEALTHCARE INSURANCE COMPANY | $183 | — | $183 | 2.49% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 130 THEORY, SUITE 200 IRVINE, CA 926173065 | UNITEDHEALTHCARE INSURANCE COMPANY | $978 | — | $978 | 13.33% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 172 | $783K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 172 | $783K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 172 | $783K |
| Life insurance(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 132 | $15K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 172 | $783K |
| Other(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 132 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.