| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, MCGRIFF | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $62K | — | $62K | 15.59% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | — | $46K | 11.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DR, STE 1800 ATTN ACCOUNTING CHARLOTTE, NC 27409 | UNUM LIFE INSURANCE COMPANY | $29K | $3K | $32K | 18.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE, STE 1800 ATTN ACCOUNTING GREENSBORO, NC 27409 | STARMOUNT LIFE INSURANCE COMPANY | $16K | $3K | $19K | 12.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | ATTN ACCOUNTING 7701 AIRPORT CTR DR, SUITE 1800 GREENSBORO, NC 27409 | UNUM INSURANCE COMPANY | $11K | $1K | $12K | 22.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSING | Claims processing Service code 12 | — | $109K |
| MCGRIFF INSURANCE SERVICES BROKER | Trustee (bank, trust company, or similar financial institution) Service code 21 | P.O. BOX 896620 CHARLOTTE, NC 28289 | $108K |
| CIGNA HEALTH AND LIFE INS. CO. | Claims processing; Direct payment from the plan; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Employee (plan); Float revenue; Participant communication Service code 12 | — | $0 |
| CIGNA HEALTH AND LIFE INSURANCE CO. | Other services; Participant communication; Float revenue; Direct payment from the plan; Shareholder servicing fees; Named fiduciary; Contract Administrator; Claims processing Service code 12 | — | $0 |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 304 | $399K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 278 | $156K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 278 | $156K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 276 | $172K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 276 | $172K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 276 | $172K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 276 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
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.