| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $146K | $0 | $146K | 3.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $68K | $0 | $68K | 1.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$86 | $0 | -$86 | -0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE EB COMM | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $0 | $17K | 11.81% |
| NFP INSURANCE SERVICES INC3 | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 4.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES EM COMM | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 11.85% |
| NFP INSURANCE SERVICES INC3 | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 4.09% |
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 | 354 | 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) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 746 | $4.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 746 | $4.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 746 | $4.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $140K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $52K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 746 | $4.7M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 746 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.