| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 201 N ILLINOIS ST. STE. 1400 INDIANAPOLIS, IN 46204 | STANDARD INSURANCE COMPANY | $135K | — | $135K | 8.45% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1150 JULIAN DR. STE. 100 WATKINSVILLE, GA 30677 | STANDARD INSURANCE COMPANY | $38K | — | $38K | 2.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 201 N ILLINOIS ST. STE. 1400 INDIANAPOLIS, IN 46204 | STANDARD INSURANCE COMPANY | $134K | — | $134K | 10.10% |
| TEMPO HOLDINGS COMPANY LLC3 Filed as: TEMPO HOLDING COMPANY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | STANDARD INSURANCE COMPANY | — | $49K | $49K | 3.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1150 JULIAN DR. STE. 100 WATKINSVILLE, GA 30677 | STANDARD INSURANCE COMPANY | $37K | — | $37K | 2.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | — | $13K | $13K | 1.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 201 N ILLINOIS ST. STE. 1400 INDIANAPOLIS, IN 46204 | STANDARD INSURANCE COMPANY | $88K | — | $88K | 10.08% |
| TEMPO HOLDINGS COMPANY LLC3 Filed as: TEMPO HOLDING COMPANY LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | STANDARD INSURANCE COMPANY | — | $42K | $42K | 4.81% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1150 JULIAN DR. STE. 100 WATKINSVILLE, GA 30677 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 2.66% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | EB COMMISSIONS PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | — | $11K | $11K | 1.27% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 201 N ILLINOIS ST. STE. 1400 INDIANAPOLIS, IN 46204 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 4.59% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1150 JULIAN DR. STE. 100 WATKINSVILLE, GA 30677 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 2.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1150 JULIAN DR. STE. 100 WATKINSVILLE, GA 30677 | STANDARD INSURANCE COMPANY | $51K | — | $51K | 20.14% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $64K | — | $64K | 33.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 9100 KEYSTONE CROSSING, STE. 550 INDIANAPOLIS, IN 46240 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 5.89% |
| VAGIB CORP3 Filed as: VAGIB CORP. | URB. ROOSEVELT 482 CESAR GONZALES SAN JUAN, PR 009182627 | MCS LIFE INSURANCE COMPANY | $6K | — | $6K | 3.96% |
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 | 6,164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY | 23 | $142K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,088 | $194K |
| Vision | STANDARD INSURANCE COMPANY | 3,277 | $438K |
| Life insurance | STANDARD INSURANCE COMPANY | 6,164 | $1.6M |
| Short-term disability | STANDARD INSURANCE COMPANY | 3,730 | $1.3M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,628 | $876K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,164 | — |
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.