| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 101 N CHERRY ST STE 500 WINSTON SALEM, NC 27101 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $215K | $0 | $215K | 2.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIHEALTH EIN 23-2521508 ADMIN | Claims processing Service code 12 | — | $5.0M |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 ADMIN | Claims processing Service code 12 | — | $550K |
| CAPITAL ADVANTAGE ASSURANCE COMPANY EIN 45-5492167 ADMIN | Claims processing Service code 12 | — | $312K |
| VISION SERVICE PLAN EIN 06-1227840 ADMIN | Claims processing Service code 12 | — | $280K |
| LEHIGH VALLEY BUSINESS COALITION BROKER | Insurance agents and brokers Service code 22 | 60 WEST BROAD STREET, SUITE 306 BETHLEHEM, PA 18018 | $19K |
| MCGRIFF INSURANCE SERVICES INC. EIN 56-1623293 BROKER | Insurance agents and brokers Service code 22 | — | $56 |
| COMPSYCH EIN 35-3739783 ADMIN | Claims processing Service code 12 | — | $0 |
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 | 14,950 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 136 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,086 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 14,950 | $10.3M |
| Short-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 14,950 | $10.3M |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 14,950 | $10.3M |
| Other | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 14,950 | $10.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,950 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.