| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.53% |
| MAX FITELSON AND SON, INC.3 Filed as: MAX FITELSON & SON INC. | 112 PINEWOOD TRAIL TRUMBULL, CT 06611 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.13% |
| MAX FITELSON AND SON, INC.3 Filed as: MAX FITELSON & SON, INC. | 112 PINEWOOD TRAIL TRUMBULL, CT 06611 | ANTHEM LIFE INSURANCE COMPANY | $943 | — | $943 | 7.78% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | — | $141 | $141 | 1.17% |
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 | 938 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 947 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 250 | $145K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 250 | $145K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 928 | $47K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 8 | $12K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 928 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 928 | — |
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.