| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEECHLEAF CT STE 200 RALEIGH, NC 27604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $967 | $23K | $24K | 4.98% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 276124959 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 6.71% |
| BENEFIT STORE INC.3 Filed as: BENEFIT STORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 6.57% |
| FRANK A. BEHUM JR.3 | 3753 OLD PHILADELPHIA PIKE BETHLEHEM, PA 18015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.69% |
| DENTON E QUICK3 | 2170 READING AVENUE READING, PA 19609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $331 | — | $331 | 0.46% |
| JOSEPH B MCGINTY JR3 | 520 W FOURTH ST WILLIAMSPORT, PA 17701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180 | — | $180 | 0.25% |
| JACQUELINE EBERZ3 Filed as: JACQUELINE M EBERZ | 98 LAMP POST RD NEW BRITAIN, PA 18901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $152 | — | $152 | 0.21% |
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 | 1,097 | 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) | 1,097 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 878 | $54K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,198 | $481K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,198 | $481K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,198 | $553K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,198 | — |
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.
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.