| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEPPLEHEALTHCARE CONSULTING INC.3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $100K | — | $100K | 5.21% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE RD STE 2021 OVIEDO, FL 32765 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $24K | $6K | $30K | 17.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF | 500 PRESIDENT CLINTON AVE SUITE 400 LITTLE ROCK, AR 72201 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $10K | — | $10K | 5.67% |
| THE NIA GROUP3 Filed as: THE NIA GROUP A MMA | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $7K | — | $7K | 3.96% |
| KEPPLE HEALTHCARE CONSULTING3 Filed as: KEPPLE HEALTHCARE CONSULTING INC. | — | DEARBORN LIFE INSURANCE COMPANY | $15K | — | $15K | 14.12% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE RD STE 2021 OVIEDO, FL 32765 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $12K | $3K | $15K | 17.34% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF | 500 PRESIDENT CLINTON AVE SUITE 400 LITTLE ROCK, AR 72201 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $5K | — | $5K | 5.72% |
| THE NIA GROUP A MM AGENCY3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $3K | — | $3K | 3.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | VISION SERVICE PLAN | $34K | — | $34K | 207.78% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF | 500 PRESIDENT CLINTON AVE SUITE 400 LITTLE ROCK, AR 72201 | VISION SERVICE PLAN | $275 | — | $275 | 1.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF | 500 PRESIDENT CLINTON AVE SUITE 400 LITTLE ROCK, AR 72201 | DETLA DENTAL OF MISSOURI | — | — | $0 | 0.00% |
| KEPPLE HEALTHCARE CONSULTING3 Filed as: KEPPLE HEALTHCARE CONSULTING, INC. | — | THE STANDARD | $7K | $1K | $8K | — |
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 | 903 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 903 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,298 | $9.4M |
| Dental(4 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 519 | $2.3M |
| Vision(4 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 519 | $499K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 1,855 | $411K |
| Short-term disability(2 contracts) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 622 | $223K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 381 | $213K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,298 | $7.5M |
| Other(7 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,855 | $8.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,855 | — |
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."
No prospect flags tripped on this filing.