| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 10100 KATY FWY STE 400 HOUSTON, TX 77043 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF - HOUSTON | 10100 KATY FWY STE 400 HOUSTON, TX 77043 | UNITEDHEALTHCARE INSURANCE COMPANY | $452 | — | $452 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DR. STE 1800 GREENSBORO, NC 27409 | FIRST UNUM LIFE INSURANCE COMPANY | $147K | $20K | $167K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DR. STE 1800 GREENSBORO, NC 27409 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $1K | $12K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DR. STE 1800 GREENSBORO, NC 27409 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $725 | $345 | $1K | 14.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DR. STE 1800 GREENSBORO, NC 27409 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $204 | $195 | $399 | 9.80% |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,118 | $4.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,118 | $4.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,118 | $4.8M |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 329 | $1.1M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 329 | $981K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 329 | $981K |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 329 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,118 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.