| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEACHLEAF COURT RALEIGH, NC 27604 | AETNA LIFE INSURANCE COMPANY | $105K | — | $105K | 5.51% |
| FBP INSURANCE SERVICES3 | 130 THEORY ST, STE 200 IRVINE, CA 92617 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $103K | — | $103K | 14.77% |
| FBP INSURANCE SERVICES3 | 130 THEORY ST, STE 200 IRVINE, CA 92617 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $63K | — | $63K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $4K | — | $4K | 1.18% |
| FBP INSURANCE SERVICES3 | 130 THEORY ST, STE 200 IRVINE, CA 92617 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $12K | — | $12K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | METLIFE LEGAL PLANS | $7K | $501 | $7K | 9.35% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 12725 MORRIS ROAD EXT STE 200 ALPHARETTA, GA 30004 | METLIFE LEGAL PLANS | — | $538 | $538 | 0.68% |
| FBP INSURANCE SERVICES3 | 130 THEORY ST, STE 200 IRVINE, CA 92617 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | — | $5K | 15.00% |
| 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 | 2,225 | 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) | 2,225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 3,895 | $1.9M |
| Vision | VISION SERVICE PLAN | 1,638 | $309K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 2,398 | $696K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 2,723 | $423K |
| Other(4 contracts, 3 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 2,423 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,895 | — |
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.