| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 850 CONCOURSE PKWY, S SUITE 200 MAITLAND, FL 32751 | BLUECROSS BLUESHIELD OF FLORIDA | $85K | — | $85K | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $22K | — | $22K | 5.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC. | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 0.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $3K | $12K | 7.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 7.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 7.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $7K | 7.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 9.46% |
| THOMAS B DAVIS3 Filed as: THOMAS DAVIS | 3030 N ROCKY PT DRIVE W SUITE 150 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.86% |
| BENEFIT TECHNOLOGIES LLC3 Filed as: BENEFIT TECHNOLOGIES, LLC. | 1200 E TAFT AVENUE SUPULPA, OK 74066 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC. | 9850 NW. 41ST STREET SUITE 100 MIAMI, FL 33178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $783 | — | $783 | 1.56% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS, LLC. | 700 W. HILLSBORO BLVD #2-102 DEERFIELD BEACH, FL 33441 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $648 | — | $648 | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC. | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $262 | — | $262 | 0.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $381 | $3K | 9.37% |
| BENEFIT TECHNOLOGIES LLC3 Filed as: BENEFIT TECHNOLOGIES, LLC. | 1200 E TAFT AVENUE SUPULPA, OK 74066 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.71% |
| 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 | 6.38% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS, LLC. | 700 W. HILLSBORO BLVD #2-102 DEERFIELD BEACH, FL 33441 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC. | 9850 NW. 41ST STREET SUITE 100 MIAMI, FL 33178 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC. | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $472 | $289 | $761 | 2.16% |
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 | 1,727 | 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) | 1,727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF FLORIDA | 711 | $6.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 746 | $407K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 746 | $407K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,727 | $204K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 432 | $126K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 301 | $157K |
| Prescription drug | BLUECROSS BLUESHIELD OF FLORIDA | 711 | $6.8M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,727 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,727 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.