| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 27612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $70K | — | $70K | 4.49% |
| MCGRIFF INSURANCE SERVICES INC3 | 130 THEORY SUITE 200 IRVINE, CA 926173065 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 3.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 130 THEORY SUITE 200 IRVINE, CA 926173065 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 3.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 130 THEORY STREET STE 200 IRVINE, CA 92660 | GUARDIAN | $4K | — | $4K | 10.00% |
| JULIE S KRAUS3 | 15066 VARSITY STREET APT. B MOORPARK, CA 93021 | AFLAC | $2K | $60 | $2K | 9.10% |
| AMY SLOKAN3 | 4413 HESSITE LOOP COLORADO SPRINGS, CO 80938 | AFLAC | $239 | — | $239 | 1.08% |
| CN BENEFITS INC3 | 4011 SAN LUIS ST NEWBURY PARK, CA 91320 | AFLAC | $163 | $14 | $177 | 0.80% |
| BRADLEY IAN WITT3 | 1621 RIDGEWOOD DR CAMARILLO, CA 93012 | AFLAC | $136 | — | $136 | 0.61% |
| MICHAEL S NOLAN3 | 1445 E LOS ANGELES AVE STE 208 SIMI VALLEY, CA 93065 | AFLAC | $124 | — | $124 | 0.56% |
| DEVITA MCKENZIE3 Filed as: DEVITA B MCKENZIE | 1139 IROLO STREET LOS ANGELES, CA 90006 | AFLAC | $79 | $14 | $93 | 0.42% |
| MARY LOU GRAHAM3 | 1747 OFELIA WAY OXNARD, CA 93030 | AFLAC | $74 | — | $74 | 0.33% |
| JACOB BURNS INC.3 Filed as: JACOB BURNS INC | 2905 MAGNOLIA AVE LONG BEACH, CA 90806 | AFLAC | $66 | — | $66 | 0.30% |
| GENA G QUARANTELLO3 | 12962 E VISTAPARK DR MOORPARK, CA 93021 | AFLAC | $49 | — | $49 | 0.22% |
| D BREDESON INSURANCE SERVICES INC3 | 19043 META RD CORNELIUS, NC 28031 | AFLAC | $27 | — | $27 | 0.12% |
| HANS ERIC ANDERSON3 | 6808 SAINT ESTABAN ST TUJUNGA, CA 91042 | AFLAC | $14 | — | $14 | 0.06% |
| RICHARD J KUNZ3 Filed as: RICHARD KUNZ | 601 MONTGOMERY ST STE 1475 SAN FRANCISCO, CA 94111 | AFLAC | $12 | — | $12 | 0.05% |
| JOSEPH P CALARCO3 Filed as: JOSEPH HARDIE | 909 E PLAYA DEL NORTE DR APT 6011 TEMPE, AZ 85281 | AFLAC | $11 | — | $11 | 0.05% |
| MARSHALL MCDONALD3 | 17031 SUMMERS WALK BLVD DAVIDSON, NC 28036 | AFLAC | $7 | — | $7 | 0.03% |
| DUANE FRY3 | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $7 | — | $7 | 0.03% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH BUZZZELLO | 14747 N NORTHSIGHT BLVD STE 111-454 SCOTTSDALE, AZ 85260 | AFLAC | $6 | — | $6 | 0.03% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $6 | — | $6 | 0.03% |
| SIERRA N KIRSHY3 Filed as: SIERRA KIRSHY | 348 DIAMOND OAKS RD ROSEVILLE, CA 95678 | AFLAC | $6 | — | $6 | 0.03% |
| SHANE DAVISON3 | 3013 LARGE HOP LN ANTIOCH, TN 37013 | AFLAC | $5 | — | $5 | 0.02% |
| CHARLES CAREY3 | 16215 LYLE ST SAN LEANDRO, CA 94578 | AFLAC | $3 | — | $3 | 0.01% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PKWY STE 100 CHARLOTTE, NC 28269 | AFLAC | $3 | — | $3 | 0.01% |
| PETER C. FOY & ASSOCIATES3 Filed as: PETER LYMAN SR | 8 S VOLUNTARIO ST UNIT A SANTA BARBARA, CA 93103 | AFLAC | $2 | — | $2 | 0.01% |
| DOUGLAS MARTIN BELSER3 Filed as: DOUGLAS BELSER | 26211 INDIANA BLVD NOVI, MI 48374 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH WILLIS JR | 1431 NE 55TH ST FORT LAUDERDALE, FL 33334 | AFLAC | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $438 | — | $438 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES, LLC | 3475 E FOOTHILL BL., #100 PASADENA, CA 91107 | FEDERAL INSURANCE COMPANY | $225 | — | $225 | 15.00% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $1.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $1.6M |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $53K |
| Short-term disability | GUARDIAN | 145 | $42K |
| Long-term disability | GUARDIAN | 145 | $42K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 75 | $738K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.