| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRATH INSURANCE GROUP INC3 Filed as: MCGRATH INSURANCE AGENCY INC | PO BOX 1260 CAMDENTON, MO 65020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | — | $55K | 15.41% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.68% |
| MCGRATH INSURANCE GROUP INC3 | PO BOX 1260 CAMDENTON, MO 65020 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 10.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF AMERICA | $35K | $2K | $36K | 27.25% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 EAST LAKEWOOD SPRINGFIELD, MO 65810 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.17% |
| MCGRATH INSURANCE GROUP INC3 | PO BOX 1260 CAMDENTON, MO 65020 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 16.24% |
| EMPLOYEE BENEFIT DESIGN LLC3 | 1125 E LAKEWOOD SPRINGFIELD, MO 65810 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56K | $1K | $57K | 57.82% |
| MCGRATH INSURANCE GROUP INC3 Filed as: MCGRATH INSURANCE AGENCY INC | PO BOX 1260 CAMDENTON, MO 65020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 13.67% |
| MCGRATH INSURANCE GROUP INC3 Filed as: MCGRATH INSURANCE GROUP, INC. | PO BOX 1260 CAMDENTON, MO 65020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | — | $12K | 19.03% |
| MCGRATH INSURANCE GROUP INC3 | PO BOX 1260 CAMDENTON, MO 650201260 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 20.56% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE, SUITE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.10% |
| MCGRATH INSURANCE GROUP INC3 | PO BOX 1260 CAMDENTON, MO 65020 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 16.27% |
| EMPLOYEE BENEFIT DESIGN LLC3 Filed as: EMPLOYEE BENEFIT DESIGN, LLC | 1125 E LAKEWOOD ST SPRINGFIELD, MO 658102434 | RELIANCE STANDARD | $6K | $765 | $6K | 17.00% |
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 | 888 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 888 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 786 | $99K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,523 | $105K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,102 | $360K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 206 | $211K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF AMERICA | 1,244 | $233K |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,102 | $571K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,523 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.