| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 274099047 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 3.38% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 11350 MCCORMICK RD EXECUTIVE PLAZA 4 STE 400 HUNT VALLEY, MD 21031 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 1.37% |
| AMWINS3 Filed as: AMWINS CONNECT ADINISTRATORS, INC | 11350 MCCORMICK RD EXECUTIVE PLAZA 4 STE 400 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $5K | $1K | $6K | 18.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC., | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 12.28% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINSTRATORS INC | 11350 MCCORMICK ROAD HUNT VALLEY, MD 21031 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 4.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 550 SOUTH CALDWELL STREET CHARLOTTE, NC 28202 | AETNA LIFE INSURANCE CO. | $623 | — | $623 | 2.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 276124954 | HUMANA INSURANCE COMPANY | $429 | $184 | $613 | 15.38% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 75 | $398K |
| Dental | AETNA LIFE INSURANCE CO. | 82 | $26K |
| Vision | HUMANA INSURANCE COMPANY | 54 | $4K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 201 | $35K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 201 | $35K |
| Other | HARTFORD LIFE AND ACCIDENT | 201 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.