| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 500 SOUTH CALDWELL ST SUITE 1500 CHARLOTTE, NC 28202 | MEDICAL MUTUAL | $48K | — | $48K | 4.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 309 WEBSTER ST DAYTON, OH 45402 | MEDICAL MUTUAL | $5K | — | $5K | 0.44% |
| SCHWENDEMAN AGENCY, INC.3 Filed as: SCHWENDEMAN INSURANCE AGENCY LLC | 109 PUTNAM STREET MARIETTA, OH 457502924 | MEDICAL MUTUAL | -$9 | — | -$9 | -0.00% |
| MCGRIFF INSURANCE SERVICES INC3 | BARGER INSURANCE 3150 S MAIN ST HARRISONBURG, VA 228012670 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $11K | $22K | 12.61% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 2000 POST OAK BLVD STE 2100 HOUSTON, TX 770564493 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $9K | $10K | 5.82% |
| MARSH & MCLENNAN AGENCY LLC3 | MCGRIFF INSURANCE 7701 AIRPORT CENTER DR STE 180 GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | $828 | — | $828 | 0.47% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 126 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 368 | $177K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 368 | $177K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 368 | $177K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 368 | $177K |
| Prescription drug | MEDICAL MUTUAL | 126 | $1.1M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 368 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.