| 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 | $131K | — | $131K | 4.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, MCGRIFF | 7701 AIRPORT CENTER DR SUITE 1800 GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGY LLC | 130 THEORY IRVINE, CA 92617 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AG | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $753 | $7K | 12.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AG | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | UNUM INSURANCE COMPANY | $2K | $158 | $2K | 19.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGY LLC | 130 THEORY IRVINE, CA 92617 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AG | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | UNUM INSURANCE COMPANY | $1K | $148 | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AG | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | UNUM INSURANCE COMPANY | $1K | $147 | $1K | 14.70% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 180 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 180 | $2.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 180 | $2.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13 | $55K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50 | $55K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50 | $55K |
| Other(4 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 104 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.