| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 27612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $130K | — | $130K | 5.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 130 THEORY ST STE 200 IRVINE, CA 926123065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $618 | $7K | 10.17% |
| MCGRIFF INSURANCE SERVICES INC3 | 130 THEORY SUITE 200 IRVINE, CA 92617 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVIES | 130 THEORY ST STE 200 IRVINE, CA 926123065 | UNUM INSURANCE COMPANY | $2K | $125 | $2K | 14.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 130 THEORY ST STE 200 IRVINE, CA 926123065 | UNUM INSURANCE COMPANY | $707 | $110 | $817 | 9.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 130 THEORY ST STE 200 IRVINE, CA 926123065 | UNUM INSURANCE COMPANY | $731 | $109 | $840 | 9.81% |
| MCGRIFF INSURANCE SERVICES INC3 | 130 THEORY SUITE 200 IRVINE, CA 92617 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 157 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 157 | $2.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 157 | $2.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $47K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $64K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 51 | $64K |
| Other(4 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 231 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.