| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN SNELLINGS INSURANCE AGENCY INC3 | 1117 PERIMETER CTR W STE W101 ATLANTA, GA 303385449 | PRINCIPAL LIFE INSURANCE COMPANY | $38K | — | $38K | 9.92% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERVICES INC BARGER INS | 3150 S MAIN ST HARRISONBURG, VA 228012670 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $997 | $14K | 3.65% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD STE 300 MOUNT PLEASANT, SC 294643686 | PRINCIPAL LIFE INSURANCE COMPANY | — | $12K | $12K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 210 GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.39% |
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 | 642 | 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) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 709 | $385K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 709 | $385K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 709 | $385K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 709 | $385K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 709 | $385K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 709 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 709 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.