| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 200 PINE ST W FL 1 WILSON, NC 27893 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 5.98% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 200 PINE ST W FL 1 WILSON, NC 27893 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.50% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | 1857 WILLIAM PENN WAY LANCASTER, PA 17605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 200 PINE ST W FL 1 WILSON, NC 27893 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.02% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | 1857 WILLIAM PENN WAY LANCASTER, PA 17605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.00% |
| ENGLE-HAMBRIGHT & DAVIES, INC.3 Filed as: ENGLE-HAMBRIGHT & DAVIES INC | 1857 WILLIAM PENN WAY LANCASTER, PA 17601 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $313 | $0 | $313 | 1.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC. EIN 56-1623293 BROKER | Insurance agents and brokers Service code 22 | — | $126K |
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $17K |
| THE BENECON GROUP, INC. EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $10K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $4 |
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 | 998 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,001 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 998 | $19K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 336 | $244K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $116K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 730 | $897K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 998 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 998 | — |
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.