| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEACHLEAF COURT RALEIGH, NC 27604 | AETNA LIFE INSURANCE COMPANY | $88K | — | $88K | 6.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE STE 201 RALEIGH, NC 27612 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 0.49% |
| FBP INSURANCE SERVICES3 | 130 THEORY, STE 200 IRVINE, CA 92617 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $65K | $8K | $72K | 16.51% |
| FBP INSURANCE SERVICES3 | 130 THEORY, STE 200 IRVINE, CA 92617 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $50K | $6K | $56K | 16.71% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $4K | — | $4K | 1.47% |
| FBP INSURANCE SERVICES3 | 130 THEORY, STE 200 IRVINE, CA 92617 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $11K | $1K | $12K | 16.58% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | METLIFE LEGAL PLANS | $6K | — | $6K | 9.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 12725 MORRIS ROAD EXT STE 200 ALPHARETTA, GA 30004 | METLIFE LEGAL PLANS | — | $815 | $815 | 1.30% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | METLIFE LEGAL PLANS | $484 | — | $484 | 0.77% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F.B.P.INSURANCE SERVICES, INC. | 2010 CROW CANYON PLACE, SUITE 320 SAN RAMON, CA 945831344 | METLIFE LEGAL PLANS | — | $192 | $192 | 0.31% |
| F.B.P. INSURANCE SERVICES, LLC3 | 130 THEORY IRVINE, CA 92617 | METLIFE LEGAL PLANS | -$476 | — | -$476 | -0.76% |
| FBP INSURANCE SERVICES3 | 130 THEORY, STE 200 IRVINE, CA 92617 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | $563 | $5K | 16.94% |
| F.B.P. INSURANCE SERVICES, LLC3 Filed as: F B P INSURANCE SERVICES | 130 THEORY STREET STE 200 IRVINE, CA 92617 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $79 | $2K | 15.69% |
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 | 2,216 | 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) | 2,216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 3,446 | $1.5M |
| Vision | VISION SERVICE PLAN | 1,422 | $245K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 2,216 | $439K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 2,211 | $333K |
| Other(4 contracts, 3 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 2,230 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,446 | — |
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.