| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | PO BOX 10265 BIRMINGHAM, AL 352020265 | MINNESOTA LIFE INSURANCE COMPANY | $63K | — | $63K | 4.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 4.50% |
| OCEAN CONSULTING GROUP3 Filed as: OCEAN CONSULTING GROUP INC. | 1555 PALM BEAVE BLVD. SUITE 810 WEST PALM BEACH, FL 33404 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | PO BOX 10265 BIRMINGHAM, AL 352460265 | MINNESOTA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.60% |
| OCEAN CONSULTING GROUP3 Filed as: OCEAN CONSULTING GROUP INC. | 1555 PALM BEACH BLVD. SUITE 810 WEST PALM BEACH, FL 33404 | FEDERAL INSURANCE COMPANY | $806 | — | $806 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INSURANCE CO EIN 86-0257201 NONE | Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing Service code 12 | — | $56K |
| DELTA DENTAL OF MISSOURI EIN 43-0908349 NONE | Contract Administrator; Claims processing Service code 12 | — | $34K |
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 | 3,385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,293 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,799 | $332K |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 10,607 | $1.4M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,385 | $650K |
| Other(3 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 845 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,607 | — |
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."
No prospect flags tripped on this filing.