| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRATH INSURANCE GROUP INC3 | PO BOX 1260 CAMDENTON, MO 650201260 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | — | $42K | 13.63% |
| MCGRATH INSURANCE GROUP INC3 | PO BOX 1260 CAMDENTON, MO 65020 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 9.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2850 WEST GOLF ROAD 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | — | $26K | 25.04% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD SPRINGFIELD, MO 65810 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| MCGRATH INSURANCE GROUP INC3 | PO BOX 1260 CAMDENTON, MO 65020 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 13.89% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN, LLC | 1125 E LAKEWOOD SPRINGFIELD, MO 65810 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43K | $6K | $48K | 63.64% |
| MCGRATH INSURANCE GROUP INC3 Filed as: MCGRATH INSURANCE GROUP, INC | PO BOX 1260 CAMDENTON, MO 65020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 16.15% |
| MCGRATH INSURANCE GROUP INC3 Filed as: MCGRATH INSURANCE AGENCY, INC | PO BOX 1260 CAMDENTON, MO 65020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 13.65% |
| MCGRATH INSURANCE GROUP INC3 Filed as: MCGRATH INSURANCE GROUP, INC | PO BOX 1260 CAMDENTON, MO 65020 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 17.37% |
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 | 777 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 784 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 153 | $55K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 688 | $76K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 630 | $100K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,527 | $311K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 173 | $155K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,353 | $182K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,527 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,527 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.