| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | DELTA DENTAL OF PENNSYLVANIA | $44K | $0 | $44K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD | $41K | $0 | $41K | 7.50% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD | $8K | $0 | $8K | 2.50% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD | $4K | $0 | $4K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD | $4K | $0 | $4K | 7.50% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | FIRST RELIANCE STANDARD | $0 | $0 | $0 | 0.00% |
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 | 2,293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 38 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 25 | $171K |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 3,518 | $1.1M |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 4,356 | $115K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD | 2,734 | $720K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD | 2,090 | $98K |
| Long-term disability | RELIANCE STANDARD | 2,128 | $311K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,293 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,356 | — |
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.