| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 896220 SUITE 200 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $5K | $24K | 5.35% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 130 THEORY SUITE 200 IRVINE, CA 92617 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $951 | — | $951 | 3.51% |
| FBP INSURANCE SERVICES3 Filed as: FBP INSURANCE SERVICES LLC | 130 THEORY STREET #200 IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | $233K | — | $233K | — |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | — | $26K | $26K | — |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 541 NORTH MAIN STREET SUITE 100 MT. AIRY, NC 27030 | BLUE CROSS OF CALIFORNIA | — | $9K | $9K | — |
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 | 600 | 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) | 600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 655 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 897 | $446K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 897 | $446K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 580 | $27K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 655 | $0 |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 580 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 897 | — |
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.