| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | P.O. BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $6K | $313 | $7K | 8.34% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | P.O. BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $2K | — | $2K | 10.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | P.O. BOX 896620 CHARLOTTE, NC 28289 | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 17.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS | 887 W MARIETTA STREET STUDIO N108 ATLANTA, GA 30318 | ALLSTATE BENEFITS | $78 | — | $78 | 6.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | P.O. BOX 896620 CHARLOTTE, NC 282171964 | ALLSTATE BENEFITS | $33 | — | $33 | 2.60% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | ALLSTATE BENEFITS | $11 | — | $11 | 0.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLS TOWERS | 29727 NETWORK PLACE CHICAGO, IA 606731297 | ALLSTATE BENEFITS | $7 | — | $7 | 0.55% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 159 | $13K |
| Vision | VISION SERVICE PLAN | 110 | $19K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 203 | $80K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 203 | $80K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 203 | $80K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 203 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.