| 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 AND AFFILIATES | $19K | $188K | $208K | 4.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $2K | $13K | 23.51% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $1K | $11K | 23.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $8K | 22.81% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $663 | $116 | $779 | 17.62% |
| SUZANNE HELENE TRIMPOLI3 | 165 MOUNT VERNON AVE MEDFORD, NY 11763 | AFLAC | $17 | — | $17 | 2.81% |
| STEPHEN FLECKER3 | 356 MIDDLE COUNTRY RD STE 207 CORAM, NY 11727 | AFLAC | $13 | — | $13 | 2.15% |
| JANICE TAYLOR3 Filed as: JANICE A. TAYLOR | 40 BEVERLY DR WARWICK, NY 10990 | AFLAC | $11 | — | $11 | 1.82% |
| DAVID MORNINGSTAR3 Filed as: DAVID G. MORNINGSTAR | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $9 | — | $9 | 1.49% |
| PERRY E MEDINA3 | 1128 WASHINGTON GRN NEW WINDSOR, NY 12553 | AFLAC | $6 | — | $6 | 0.99% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | 4250 VETERANS MEMORIAL HWY STE 1015W HOLBROOK, NY 11741 | AFLAC | $5 | — | $5 | 0.83% |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $3 | — | $3 | 0.50% |
| TAMMY E JONES3 Filed as: TAMMY E. JONES | 8217 KIPPIS RD MILLERSVILLE, MD 21108 | AFLAC | $3 | — | $3 | 0.50% |
| WILLIAM E BRENNAN3 | PO BOX 311 SOUTHFIELDS, NY 10975 | AFLAC | $2 | — | $2 | 0.33% |
| KENNETH B COFER3 Filed as: KENNETH BAIRD COFER | 5950 SYMPHONY WOOD RD STE 214 COLUMBIA, MD 21044 | AFLAC | $1 | — | $1 | 0.17% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 6760 VALHALLA WAY WINDERMERE, FL 34786 | AFLAC | $1 | — | $1 | 0.17% |
| MATTHEW W EVANS3 | 8370 VETERANS HWY STE 101 MILLERSVILLE, MD 21108 | AFLAC | $1 | — | $1 | 0.17% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $1 | — | $1 | 0.17% |
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 | 537 | 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) | 537 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 428 | $5.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 428 | $5.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 428 | $5.0M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 129 | $37K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $46K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 79 | $56K |
| Other(5 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.