| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | $174K | $192K | 4.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $1K | $14K | 22.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $1K | $10K | 22.19% |
| ROBERT HESLEP3 | 6680 RIVER ISLAND CIR BUFORD, GA 30518 | AFLAC | $726 | — | $726 | 1.93% |
| TAMMY E JONES3 Filed as: TAMMY E. JONES | 722 CYPRIAN CT GAMBRILLS, MD 21054 | AFLAC | $602 | — | $602 | 1.60% |
| MATTHEW W EVANS3 | 8370 VETERANS HWY STE 101 MILLERSVILLE, MD 21108 | AFLAC | $227 | — | $227 | 0.60% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $170 | — | $170 | 0.45% |
| DAVID MORNINGSTAR3 | 4281 BUCKSIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $137 | — | $137 | 0.36% |
| STEVEN R WEINER3 | 13266 W MULBERRY DR LITCHFIELD PARK, MD 85340 | AFLAC | $114 | — | $114 | 0.30% |
| LINDA W OLGUIN3 Filed as: LINDA M DUNFEE | 1241 ALMONESSON RD DEPTFORD, NJ 08096 | AFLAC | $107 | — | $107 | 0.28% |
| MITCHELL B RUCKO3 | PO BOX 25 KINGSTON, NJ 08528 | AFLAC | $104 | — | $104 | 0.28% |
| DUSTIN ROBERT JOHNSON3 | 745 W BROMPTON AVE APT 1 CHICAGO, IL 60657 | AFLAC | $87 | — | $87 | 0.23% |
| BARBARA JEAN ANDERSON3 | 7724 CALLE CARACAS CARLSBAD, CA 92009 | AFLAC | $82 | — | $82 | 0.22% |
| GREER INSURANCE3 | 8370 VETERANS HWY STE 101 MILLERVILLE, MD 21108 | AFLAC | $80 | — | $80 | 0.21% |
| MARK R KOWALSKI3 | 33 BRYAN CT GETTYSBURG, PA 17325 | AFLAC | $79 | — | $79 | 0.21% |
| DAVID M ROBINSON3 | 225 HARRIS DR SEWELL, NJ 08080 | AFLAC | $79 | — | $79 | 0.21% |
| AUSTIN J RICE3 Filed as: AUSTIN J. RICE | 205 PERSIMMON TRL WOODSTOCK, GA 30188 | AFLAC | $67 | — | $67 | 0.18% |
| ANNE FISHER3 | 106 3RD ST ELMER, NC 08318 | AFLAC | $65 | — | $65 | 0.17% |
| PETER ERIC CHRISTIANSON3 | 1204 LONDON CT WARRINGTON, PA 18976 | AFLAC | $52 | — | $52 | 0.14% |
| THOMAS ARTHUR WILLIAMS3 | 2625 DAHLIA DR FT WORTH, TX 76123 | AFLAC | $51 | — | $51 | 0.14% |
| ADAM H MICHAELS3 | 1019 W JACKSON BLVD APT 3G CHICAGO, IL 60607 | AFLAC | $51 | — | $51 | 0.14% |
| BRUCE BETZ3 | 17229 VENDOR PL POWAY, CA 92064 | AFLAC | $44 | — | $44 | 0.12% |
| ELAINE GAUDY3 | 10 FOXWOOD DR APT A MORRIS PLAINS, NJ 07950 | AFLAC | $44 | — | $44 | 0.12% |
| MATTHEW W EVANS3 | 8370 VETERANS HWY STE 101 MILLERVILLE, MD 21108 | AFLAC | $39 | — | $39 | 0.10% |
| ELENI A NIKOLAS3 | 3869 WINTERGREEN CT MARIETTA, GA 30062 | AFLAC | $38 | — | $38 | 0.10% |
| LISA A BARKSDALE3 | 100 MERLINO LN MAYS LANDING, NJ 08330 | AFLAC | $34 | — | $34 | 0.09% |
| STACI J O'BRIEN3 | PO BOX 1230 LANGHORNE, PA 19047 | AFLAC | $33 | — | $33 | 0.09% |
| STEPHANIE L HONEYCUTT3 | 9510 LOST KEY CT RALEIGH, NC 27617 | AFLAC | $31 | — | $31 | 0.08% |
| DALE ARTHUR LOVELLE3 | 1427 RISING SUN AVE LANGHORNE, PA 19047 | AFLAC | $28 | — | $28 | 0.07% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD STE 214 COLUMBIA, MD 21044 | AFLAC | $26 | — | $26 | 0.07% |
| REBECCA MAYES3 | 6670 HELENA MORIAH RD ROUGEMONT, NC 27572 | AFLAC | $25 | — | $25 | 0.07% |
| DENNIS P HASTINGS3 Filed as: DENNIS P. HASTINGS | 5 TARLINI HWY LANGHORNE, PA 19047 | AFLAC | $24 | — | $24 | 0.06% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $24 | — | $24 | 0.06% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $23 | — | $23 | 0.06% |
| JEAN CLAUDE FRESNEL JR3 Filed as: JEAN CLAUDE FRESNEL JR. | 700 12TH ST NW STE 700 WASHINGTON, DC 20005 | AFLAC | $22 | — | $22 | 0.06% |
| GAIL I BEAGLE3 | 329 HUNTS NECK RD POQUOSON, VA 23662 | AFLAC | $21 | — | $21 | 0.06% |
| CYAN SATTIN3 | 1030 CAMBRIDGE SQ STE E ALPHARETTA, GA 30009 | AFLAC | $18 | — | $18 | 0.05% |
| EDWIN VEGA3 | 8214 LEE AVE SEVERN, MD 21144 | AFLAC | $18 | — | $18 | 0.05% |
| MICHAEL HENSH3 | 900 LIBERTY PL, SICKLERVILLE, NJ 08081 | AFLAC | $18 | — | $18 | 0.05% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $18 | — | $18 | 0.05% |
| JEREMY A FELDMAN3 | 12391 HIDDEN BAY DR BERLIN, MD 21811 | AFLAC | $17 | — | $17 | 0.05% |
| PATRICIA A MACADAMS3 | 620 HIGH ST WOODBURY, NJ 08096 | AFLAC | $17 | — | $17 | 0.05% |
| MANDY MAYES3 Filed as: MANDY L MAYES | 5611 COLLINS DR DURHAM, NC 27712 | AFLAC | $16 | — | $16 | 0.04% |
| MICHELE L BOGRETTE3 | 109 BELLE VISTA CT WINSTON SALEM, NC 27106 | AFLAC | $16 | — | $16 | 0.04% |
| AIMEE BRANDON3 Filed as: AIMEE ZWEIL BRANDON | 28322 OPENFIELD LOOP WESLEY CHAPEL, FL 33543 | AFLAC | $15 | — | $15 | 0.04% |
| LARRY D DENNY3 Filed as: LARRY C KENNEY | 343 CORAL REEF WAY HARDEEVILLE, SC 29927 | AFLAC | $15 | — | $15 | 0.04% |
| ELLYN S CHURCH3 | 103 GLENVIEW AVE WYNCOTE, PA 19095 | AFLAC | $15 | — | $15 | 0.04% |
| LONA N ONGARO3 | 675 TEA ST APT 1211 BOUND BROOK, NJ 08805 | AFLAC | $15 | — | $15 | 0.04% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $14 | — | $14 | 0.04% |
| KADI M SCHENK3 | 675 E STREET RD APT 505 WARMINSTER, PA 18974 | AFLAC | $14 | — | $14 | 0.04% |
| RAYMOND J. MULLIGAN3 Filed as: RAYMOND J MULLIGAN | 8765 W KELTON LN BLDG B1 PEORIA, AZ 85382 | AFLAC | $14 | — | $14 | 0.04% |
| ANGELIQUE N LILES3 | 9101 HURON AVE LUBBOCK, TX 79424 | AFLAC | $13 | — | $13 | 0.03% |
| STACI J O'BRIEN3 | PO BOX 1230 LANGHORNE, PA 19047 | AFLAC | $13 | — | $13 | 0.03% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 Filed as: LAUNCHPAD BENEFIT SOLUTIONS, LLC | 101 W ELM ST STE 420 CONSHOHOCKEN, PA 19428 | AFLAC | $12 | — | $12 | 0.03% |
| JOSEPH BAILEY DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AFLAC | $11 | — | $11 | 0.03% |
| DARLENE S DILLON3 | 120 WOODSIDE RD LEXINGTON, SC 29072 | AFLAC | $11 | — | $11 | 0.03% |
| TIMOTHY KNEIDEL3 | 28631 N 45TH WAY CAVE CREEK, AZ 85331 | AFLAC | $10 | — | $10 | 0.03% |
| ROBERT L GOBLE3 | 250 34TH AVE NE HICKORY, NC 28601 | AFLAC | $10 | — | $10 | 0.03% |
| JERRY OLIVER CREECH3 | 5915 SANTO DOMINGO CT NEW BERN, NC 28560 | AFLAC | $9 | — | $9 | 0.02% |
| MARCIE A DAVENPORT3 | 4869 W COTTAGE BROOK CIR WEST VALLEY CITY, UT 84120 | AFLAC | $9 | — | $9 | 0.02% |
| JOANN HARTSOCK3 | 16 ROBYN LN DOYLESTOWN, PA 18901 | AFLAC | $8 | — | $8 | 0.02% |
| KIMBERLY J STRIKER3 | 136 THE COURTYARD BOONE, NC 28607 | AFLAC | $7 | — | $7 | 0.02% |
| GLEN DOUGLAS GABLE3 | 3521 S CAMELLIA PL CHANDLER, AZ 85248 | AFLAC | $7 | — | $7 | 0.02% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $6 | — | $6 | 0.02% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $6 | — | $6 | 0.02% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $6 | — | $6 | 0.02% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $5 | — | $5 | 0.01% |
| JON H DAVENPORT3 | 703 THIMBLE SHOALS BLVD STE C-6 NEWPORT NEWS, VA 23606 | AFLAC | $5 | — | $5 | 0.01% |
| ROBERT ELI WHITNEY3 Filed as: ROBERT D ALLEN | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES M PITZ3 | 84 MINK DR CATAULA, GA 31804 | AFLAC | $4 | — | $4 | 0.01% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $4 | — | $4 | 0.01% |
| TARA MICHELLE D AGOSTINO3 | 87 A BOORAEM AVE JERSEY CITY, NJ 07307 | AFLAC | $4 | — | $4 | 0.01% |
| TEATR'S INS PROTECTION SERVICES3 | 524 TROUTWOOD PL FUQUAY VARINA, NC 27526 | AFLAC | $4 | — | $4 | 0.01% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $4 | — | $4 | 0.01% |
| CLAUDIA L FELDMAN3 | 9037 E CASITAS DEL RIO DR SCOTTSDALE, AZ 85255 | AFLAC | $3 | — | $3 | 0.01% |
| SCOTT WEBB3 | 26729 N 91ST DR PEORIA, AZ 85383 | AFLAC | $3 | — | $3 | 0.01% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $3 | — | $3 | 0.01% |
| TONY J DELBEN3 | 143 SANDREED DR MOORESVILLE, NC 28117 | AFLAC | $3 | — | $3 | 0.01% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $3 | — | $3 | 0.01% |
| KENETH E MACADAMS3 | 534 JEFFERSON AVE GLOUCESTER CITY, NJ 08030 | AFLAC | $3 | — | $3 | 0.01% |
| JASON ELIJAH ANGEL3 | 35468 N SHORTHORN TRL SAN TAN VALLE PHOENIX, AZ 85143 | AFLAC | $2 | — | $2 | 0.01% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES, INC. | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $2 | — | $2 | 0.01% |
| PREFERRED MARKETING CORP3 | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $2 | — | $2 | 0.01% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID N MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $2 | — | $2 | 0.01% |
| HILARY RADOLEC3 | 165 CROSSBOW LN GAITHERSBURG, MD 20878 | AFLAC | $2 | — | $2 | 0.01% |
| LORENZO V CUTAIA3 | 123 AZALEA LN EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $2 | — | $2 | 0.01% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD S SANDERS3 Filed as: RONALD SANDERS | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY S GIBSON3 | 4030 TATES CREEK RD, APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $1 | — | $1 | 0.00% |
| NANCY M ANDERSON3 | 11 CEDAR CT SOMERS POINT, NJ 08244 | AFLAC | $1 | — | $1 | 0.00% |
| KELLY LYNN FELDMAN3 | 12391 HIDDEN BAY DR BERLIN, MD 21811 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL LEROY COY3 | 657 N ACADEMY BLVD # 585 COLORADO SPRINGS, CO 80918 | AFLAC | $1 | — | $1 | 0.00% |
| RICHARD MICHAEL TIDWELL3 | 5511 KINGSLEY MNR CUMMING, GA 30041 | AFLAC | $1 | — | $1 | 0.00% |
| RYAN E MCPHAIL3 | 206 ARBOR CT CANTON, GA 30114 | AFLAC | $1 | — | $1 | 0.00% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $1 | — | $1 | 0.00% |
| BARBARA ANN MCNAUGHTON3 | 4910 CORPORATE DR NW STE G HUNTSVILLE, AL 35805 | AFLAC | $1 | — | $1 | 0.00% |
| ANDREW D WALLER3 | 153 MASTERS WAY GRASONVILLE, MD 21638 | AFLAC | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $828 | $8K | 22.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $578 | $93 | $671 | 17.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | DEARBORN LIFE INSURANCE COMPANY | $738 | $71 | $809 | 27.42% |
| SUZANNE HELENE TRIMPOLI3 | 2605 TOWNEHOUSE DR CORAM, NY 11727 | AFLAC | $26 | — | $26 | 2.24% |
| JANICE TAYLOR3 Filed as: JANICE A. TAYLOR | 40 BEVERLY DR WARWICK, NY 10990 | AFLAC | $24 | — | $24 | 2.07% |
| STEPHEN FLECKER3 | 356 MIDDLE COUNTRY RD STE 207 CORAM, NY 12553 | AFLAC | $20 | — | $20 | 1.73% |
| DAVID MORNINGSTAR3 Filed as: DAVID G. MORNINGSTAR | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $19 | — | $19 | 1.64% |
| PERRY E MEDINA3 | 1128 WASHINGTON GRN NEW WINDSOR, KY 12553 | AFLAC | $15 | — | $15 | 1.29% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HWY STE 1015 HOLBROOK, NY 11741 | AFLAC | $8 | — | $8 | 0.69% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $6 | — | $6 | 0.52% |
| WILLIAM E BRENNAN3 | PO BOX 311 SOUTHFIELDS, NY 10975 | AFLAC | $5 | — | $5 | 0.43% |
| TAMMY E JONES3 Filed as: TAMMY E. JONES | 8217 KIPPIS RD MILLERSVILLE, MD 21108 | AFLAC | $4 | — | $4 | 0.35% |
| KENNETH B COFER3 Filed as: KENNETH BAIRD COFER | 5950 SYMPHONY WOOD RD STE 214 COLUMBIA, MD 21044 | AFLAC | $2 | — | $2 | 0.17% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 12 ST THOMAS MORE DR WINCHESTER, MA 01890 | AFLAC | $2 | — | $2 | 0.17% |
| MATTHEW W EVANS3 | 8370 VETERANS HWY STE 101 MILLERSVILLE, MD 21108 | AFLAC | $2 | — | $2 | 0.17% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $1 | — | $1 | 0.09% |
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 | 511 | 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) | 511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 415 | $4.4M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 415 | $4.4M |
| Vision(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 415 | $4.4M |
| Life insurance(4 contracts, 3 carriers) | AFLAC | 137 | $76K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $85K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 74 | $65K |
| Other(4 contracts, 3 carriers) | AFLAC | 148 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.