| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 4.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, MCGRIFF | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 3.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 3400 OVERTON PARK DR SE STE 300 ATLANTA, GA 30339 | GUARDIAN | $16K | — | $16K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 3111 CAMINO DEL RIO NORTH SUITE 1100 SAN DIEGO, CA 92108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 3400 OVERTON PARK DR SE ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 3111 CAMINO DEL RIO NORTH SUITE 1100 SAN DIEGO, CA 92108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 3400 OVERTON PARK DR SE STE 300 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $917 | — | $917 | 4.59% |
| HEARTSEASE LLC3 | 1521 NE 63RD AVE HILLOSBORO, OR 97124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $954 | $353 | $1K | 15.79% |
| WORKSITE BENEFITS GROUP INC3 | 112 NW 114TH ST VANCOUVER, WA 98685 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $192 | $282 | $474 | 5.73% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | 601 UNION STREET SEATTLE, WA 98101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $387 | $13 | $400 | 4.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 3400 OVERTON PARK DR ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $323 | — | $323 | 3.90% |
| BENEFITS BY DESIGN INC3 | 2101 NE 279TH ST RIDGEFIELD, WA 98642 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | $62 | $241 | 2.91% |
| MCGRIFF INSURANCE SERVICES INC3 | 3400 OVERTON PARK DR ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 3111 CAMINO DEL RIO NORTH SUITE 1100 SAN DIEGO, CA 92108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $473 | — | $473 | 5.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 3400 OVERTON PARK DR SE ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $330 | — | $330 | 4.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 3111 CAMINO DEL RIO NORTH SUITE 1100 SAN DIEGO, CA 92108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $210 | — | $210 | 6.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | 3400 OVERTON PARK DR SE ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $168 | — | $168 | 5.33% |
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 | 62 | 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) | 62 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 87 | $566K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 87 | $723K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 87 | $723K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 61 | $20K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 61 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 61 | $38K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 68 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87 | — |
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.