| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 645 HAMILTON STREET SUITE 1002 ALLENTOWN, PA 18101 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $54K | — | $54K | 1.74% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 550 S CALDWELL ST STE 1500 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $2K | $6K | 4.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 S CALDWELL ST STE 1400 CHARLOTTE, NC 28793 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 17.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 200 PINE ST W FL 1 WILSON, NC 27893 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.39% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 S CALDWELL ST STE 1400 CHARLOTTE, NC 28202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 17.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 200 PINE ST W FL 1 WILSON, NC 27893 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $654 | $654 | 3.41% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 S CALDWELL ST STE 1400 CHARLOTTE, NC 28202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 17.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 200 PINE ST W FL 1 WILSON, NC 27893 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $379 | $379 | 4.10% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 441 | $3.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 128 | $152K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 441 | $3.1M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $9K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 30 | $19K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.