| 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 | $4K | — | $4K | 8.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA | $2K | — | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $799 | $799 | 2.83% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $696 | $696 | 2.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 2211 7TH AVE S BIRGMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $522 | $522 | 2.85% |
| WAYNE I CHRISTIE3 | 1 DOBSON RD EAST BRUNSWICK, NC 08816 | AFLAC | $1K | $43 | $1K | 10.93% |
| KEVIN J NIEDERAUER3 | 150 ALLEN RD, STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $391 | $10 | $401 | 3.97% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA SAUNDERS | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $167 | $10 | $177 | 1.75% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $37 | $0 | $37 | 0.37% |
| MICHAEL A FORNARO3 | 271 US HWY, STE H119 FAIRFIELD, NJ 07004 | AFLAC | $6 | $0 | $6 | 0.06% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $5 | $0 | $5 | 0.05% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA MICHELLE D ADOSTINO | 87A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $5 | $0 | $5 | 0.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 115 SOUTH CENTRE STREET POTTSVILLE, PA 17901 | HIGHMARK, INC | $575 | — | $575 | 6.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $908 | — | $908 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $356 | $356 | 3.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 ASO ADMIN | Claims processing Service code 12 | — | $38K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $33K |
| MCGRIFF INSURANCE SERVICES BROKER | Insurance agents and brokers Service code 22 | 115 SOUTH CENTRE STREET POTTSVILLE, PA 17901 | $28K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $6K |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA | 93 | $50K |
| Vision | HIGHMARK, INC | 147 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $27K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $25K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 100 | $302K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.