| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALEXANDRA JUNEAU3 | 4409 CREEDMOOR RD. STE 1970 RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $91K | — | $91K | 3.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 3.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7701 AIRPORT CENTER DRIVE ST 1800 GREENSBORO, NC 27409 | SYMETRA LIFE INSURANCE COMPANY | $21K | — | $21K | 17.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 896620 CHARLOTTE, NC 282896620 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 7.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 47 AIRPARK CT. PO BOX 27419 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $926 | $926 | 4.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 3850 N CAUSEWAY BLVD STE 1970 METAIRIE, LA 700028103 | AMERITAS LIFE INSURANCE CORP. | $422 | — | $422 | 2.02% |
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 | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 359 | $3.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 359 | $121K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 354 | $21K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 302 | $119K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 302 | $119K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 359 | $3.0M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 302 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.