| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3318 W. FRIENDLY AVE, STE 400 GREENBORO, NC 27410 | AETNA | $3K | — | $3K | 6.80% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 350 FIFTH AVENUE STE 3700 NEW YORK, NY 10118 | AETNA | $2K | — | $2K | 4.25% |
| EMPLOYEE BENEFITS CONSULTANTS3 | 682 NORTH BROOKSIDE RD ALLENTOWN, PA 18106 | AETNA | $0 | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1465 E JOYCE BLVD FAYETTEVILLE, AK 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD STE F GREENBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1465 E JOYCE BLVD FAYETTEVILLE, AK 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1465 E JOYCE BLVD FAYETTEVILLE, AR 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $811 | $811 | 6.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $947 | $0 | $947 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1465 E JOYCE BLVD FAYETTEVILLE, AK 72703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $718 | $718 | 7.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 115 SOUTH CENTRE STREET POTTSVILLE, PA 17901 | HIGHMARK, INC | $453 | — | $453 | 6.07% |
| THE BENECON GROUP3 | 201 E OREGON RD STE 100 LITITZ, PA 17543 | HIGHMARK, INC | $2 | — | $2 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ADMIN | Claims processing Service code 12 | — | $29K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $15K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $4K |
| MCGRIFF INSURANCE SERVICES EIN 56-1623293 BROKER | Insurance agents and brokers Service code 22 | 3150 S. MAIN STREET HARRISONBURG, VA 22801 | $75 |
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 | 78 | 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) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 133 | $49K |
| Vision | HIGHMARK, INC | 50 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $16K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 65 | $187K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.