| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE 2ND FLOOR SUITE 201 RALEIGH, NC 27622 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 4.64% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO. | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 2.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1465 E JOYCE BLVD FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.13% |
| WILLIAM A GRAHAM COMPANY3 | 1 PENN SQ W PHILADELPHIA, PA 19102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $781 | — | $781 | 4.87% |
| BB&T - J. ROLFE DAVIS INSURANCE3 Filed as: J. ROLFE DAVIS INSURANCE | 850 CONCOURSE PARKWAY SOUTH MAITLAND, FL 32751 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $594 | — | $594 | 5.40% |
| THE GRAHAM COMPANY3 | 30 S 15TH STREET PHILADELPHIA, PA 19102 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $423 | — | $423 | 3.85% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 99 | $70K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 157 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $16K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.