| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 74 W. BROAD STREET SUITE 370 BETHLEHEM, PA 180185738 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $51K | — | $51K | 3.35% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 645 HAMILTON STREET STE 900 ALLENTOWN, PA 18101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 22.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 645 HAMILTON STREET STE 900 ALLENTOWN, PA 18101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $858 | $2K | 23.27% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 645 HAMILTON STREET STE 900 ALLENTOWN, PA 18101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $703 | $2K | 22.60% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 645 HAMILTON STREET STE 900 ALLENTOWN, PA 18101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $185 | $99 | $284 | 23.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE STE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28 | — | $28 | 4.89% |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 297 | $1.5M |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 297 | $1.5M |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 297 | $1.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $15K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 94 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 80 | $9K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 297 | $1.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.