| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFIT INTER OF AZ | 7901 N 16TH STREET SUITE 200 PHOENIX, AZ 85020 | EDUCATORS HEALTH PLANS, LIFE, ACCIDENT AND HEALTH INC | $21K | — | $21K | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 500 SOUTH CALDWELL STREET CHARLOTTE, NC 28202 | EDUCATORS HEALTH PLANS, LIFE, ACCIDENT AND HEALTH INC | $18K | — | $18K | 1.63% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFIT INTER OF AZ | 7901 N 16 TH STREET SUITE 200 PHOENIS, AZ 85020 | EDUCATORS HEALTH PLANS, LIFE ACCIDENT AND HEALTH INC | $3K | — | $3K | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 550 SOUTH CALDWELL STREET CHARLOTTE, NC 28202 | EDUCATORS HEALTH PLANS, LIFE ACCIDENT AND HEALTH INC | $2K | — | $2K | 2.76% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL AZ INC | 8828 N CENTRAL AVE SUITE 100 PHOENIX, AZ 85020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.25% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.61% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL AZ INC | 8828 N CENTRAL AVE STE 100 PHOENIX, AZ 85020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.96% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN AND ASSOC INC | 1933 STATE RTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 10.04% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $894 | — | $894 | 2.80% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL AZ INC | 8828 N CENTRAL AVE SUITE 100 PHOENIX, AZ 85020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.85% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN AND ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 11.22% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $926 | — | $926 | 3.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $852 | — | $852 | 2.95% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL AZ INC | 8828 N CENTRAL AVE STE 100 PHOENIX, AZ 85020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.45% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $551 | — | $551 | 1.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $451 | — | $451 | 1.60% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL AZ INC | 8828 N CENTRAL AVE SUITE 100 PHOENIX, AZ 85020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.58% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $927 | $927 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $642 | — | $642 | 3.46% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $548 | — | $548 | 2.96% |
| EMPLYEE BENEFIT INTER OF AZ3 | 7901 N 16TH STREET SUITE 200 PHOENIX, AZ 85020 | VISION SERVICE PLAN | $475 | — | $475 | 3.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 550 SOUTH CALDWELL STREET CHARLOTTE, NC 28202 | VISION SERVICE PLAN | $407 | — | $407 | 2.77% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVE STE 200 ST PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $1K | — | $1K | 11.25% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTER ARIZONA INC | 8828 NORTH CENTRAL AVENUE SUITE 100 PHOENIX, AZ 85020 | METLIFE LEGAL PLANS | $653 | — | $653 | 6.88% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | P O BOX 9201 BLDG I SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $484 | — | $484 | 5.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL 15TH FLOOR DALLAS, TX 75231 | METLIFE LEGAL PLANS | $296 | — | $296 | 3.12% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL AZ INC | 8828 N CENTRAL AVE STE 100 PHOENIX, AZ 85020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $321 | — | $321 | 6.15% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $108 | — | $108 | 2.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $93 | — | $93 | 1.78% |
| EMPLOYEE BENEFITS INTERNATIONAL AZ3 Filed as: EMPLOYEE BENEFITS INTL AZ INC | 8828 N CENTRAL AVE SUITE 100 PHOENIX, AZ 85020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $236 | — | $236 | 5.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $144 | — | $144 | 3.08% |
| MCGRIFF INSURANCE SERVICES INC3 | P O BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $88 | — | $88 | 1.88% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS HEALTH PLANS, LIFE, ACCIDENT AND HEALTH INC | 191 | $1.1M |
| Dental | EDUCATORS HEALTH PLANS, LIFE ACCIDENT AND HEALTH INC | 204 | $78K |
| Vision | VISION SERVICE PLAN | 160 | $15K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 63 | $50K |
| Other(8 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.