| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 130 THEORY STE 200 IRVINE, CA 926173065 | KAISER FOUNDATION HEALTH PLAN INC | $74K | — | $74K | 4.98% |
| MCGRIFF INSURANCE SERVICES INC3 | 130 THEORY STE 200 IRVINE, CA 926173065 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 5.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 130 THEORY ST STE 200 IRVINE, CA 926123065 | STARMOUNT LIFE INSURANCE COMPANY | $12K | $2K | $15K | 12.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | — | $11K | $11K | 8.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 130 THEORY ST STE 200 IRVINE, CA 926123065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $241 | $4K | 17.20% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.31% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 130 THEORY ST STE 200 IRVINE, CA 926123065 | UNUM INSURANCE COMPANY | $506 | $67 | $573 | 16.98% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $169 | $169 | 5.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 89662 CHARLOTTE, NC 28289 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | — |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 282896620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $746 | $34 | $780 | — |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 94583 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $37 | $37 | — |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 218 | $1.6M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 152 | $123K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 152 | $123K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $22K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 5 | $0 |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 218 | $1.6M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.