| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 0.49% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 550 S. CALDWELL ST. STE 1500 CHARLOTTE, NC 28202 | SUN LIFE AND HEALTH INSURANCE COMPANY | $54K | $37K | $91K | 12.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CTR. DR STE 1800 GREENSBORO, NC 27409 | SYMETRA LIFE INSURANCE COMPANY | $96K | $9K | $105K | 70.25% |
| ANSAS WAY, LLC3 Filed as: ANSAS WAY LLC | 605 BRIAR RIDGE DR. BELLVILLE, TX 77418 | SYMETRA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | TRUSTMARK INSURANCE COMPANY | $18K | — | $18K | 32.54% |
| ANSAS WAY LLC DBA USELECT3 Filed as: ANSAS WAY LLC DBA BENROLL | 605 BRIAR RIDGE DR. BELLVILLE, TX 77418 | TRUSTMARK INSURANCE COMPANY | $10K | — | $10K | 19.11% |
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 | 908 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,675 | $1.7M |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 917 | $726K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 917 | $726K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 917 | $726K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,675 | $1.7M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,675 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,675 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.