| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $18K | $25K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $17K | $21K | 0.85% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 140 FOUNTAIN PARKWAY NO., SUITE 600 SAINT PETERSBURG, FL 33716 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $17K | $20K | 0.78% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS, INC. | 140 FOUNTAIN PARKWAY NO, SUITE 600 SAINT PETERSBURG, FL 33716 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $519 | $0 | $519 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: A MARSH & MCLENNAN AGENCY, LLC | 3975 FAIR RIDGE DRIVE FAIRFAX, VA 22033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $0 | $25K | 13.15% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 83 PARK PLACE BOULEVARD CLEARWATER, FL 33759 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: A MARSH & MCLENNAN AGENCY LLC | EB COMMISSIONS CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 0.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7701 AIRPORT CENTER DRIVE, SUITE GREENSBORO, NC 27409 | VISION SERVICE PLAN | $313 | — | $313 | 2.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $159 | — | $159 | 1.14% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | VISION SERVICE PLAN | $137 | — | $137 | 0.99% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 188 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 188 | $2.5M |
| Vision | VISION SERVICE PLAN | 121 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $189K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $189K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $189K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 188 | $2.5M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 188 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
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.