| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 645 HAMILTON STREET SUITE 900 ALLENTOWN, PA 18101 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $116K | $0 | $116K | 0.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3975 FAIR RIDGE DR. SUITE 110-N FAIRFAX, VA 22033 | AETNA LIFE INSURANCE COMPANY | $59K | $0 | $59K | 6.50% |
| BB&T INSURANCE SERVICES, INC.3 | 3975 FAIR RIDGE DR. SUITE 110-N FAIRFAX, VA 22033 | AETNA LIFE INSURANCE COMPANY | $54K | $0 | $54K | 5.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3975 FAIR RIDGE DR. SUITE 110-N FAIRFAX, VA 22033 | DELTA DENTAL OF PENNSYLVANIA | $19K | $0 | $19K | 2.95% |
| BB&T INSURANCE SERVICES, INC.3 | 3975 FAIR RIDGE DR. SUITE 110-N FAIRFAX, VA 22033 | DELTA DENTAL OF PENNSYLVANIA | $13K | $0 | $13K | 2.05% |
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 | 1,763 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,634 | $20.1M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 2,562 | $652K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,634 | $20.1M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,805 | $912K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 1,805 | $912K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,805 | $912K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,634 | $20.1M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,805 | $927K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,562 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.