| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF - LOUISVILLE | 2600 EASTPOINT PKWY LOUISVILLE, KY 402235151 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $17K | $23K | 1.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PKWY LOUISVILLE, KY 402235151 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $17K | $21K | 1.61% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF - LOUISVILLE | 2600 EASTPOINT PKWY LOUISVILLE, KY 402235151 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 1.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2600 EASTPOINT PKWY LOUISVILLE, KY 402235151 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 1.35% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.57% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 3.53% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BROADWAY STE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | $593 | — | $593 | 0.65% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.75% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.50% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BROADWAY STE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | $613 | — | $613 | 1.04% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 23127 COLUMBIA, SC 29224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 7.80% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $317 | — | $317 | 9.74% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | STANDARD INSURANCE COMPANY | — | $114 | $114 | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 711 BROADWAY STE 505 SAN ANTONIO, TX 78215 | STANDARD INSURANCE COMPANY | $109 | — | $109 | 3.35% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $99 | — | $99 | 3.04% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 445 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 445 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 445 | $1.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 274 | $92K |
| Short-term disability | STANDARD INSURANCE COMPANY | 99 | $3K |
| Long-term disability | STANDARD INSURANCE COMPANY | 168 | $59K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 274 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.