| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 130 THEORY AVENUE SUITE 200 IRVINE, CA 92617 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $24 | $11K | 3.00% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES LLC | 130 THEORY AVENUE SUITE 200 IRVINE, CA 92617 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $9K | 2.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE. SUITE 201 RALEIGH, NC 276123908 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.02% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES LLC | 130 THEORY AVENUE SUITE 200 IRVINE, CA 92617 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 130 THEORY AVENUE SUITE 200 IRVINE, CA 92617 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $963 | — | $963 | 3.77% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES LLC | 130 THEORY STREET #200 IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | $152K | — | $152K | — |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $19K | $19K | — |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | P.O. BOX 4147 TUSTIN, CO 92781 | BLUE CROSS OF CALIFORNIA | — | $4K | $4K | — |
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 | 567 | 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) | 567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 754 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,014 | $376K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,014 | $376K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 717 | $26K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 754 | $0 |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 717 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,014 | — |
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.
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.