| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 274099047 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $42K | $49K | 3.65% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INSURANCE GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 1.75% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $3K | $7K | 16.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 4777 SHARON RD 4TH FLOOR CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 3.70% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 4777 SHARON RD 4TH FLOOR CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $793 | $793 | 3.86% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4777 SHARON RD 4TH FLOOR CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $759 | $759 | 3.80% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $719 | $3K | 26.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4777 SHARON ROAD 4TH FLOOR CHARLOTTE, NC 28289 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $372 | $372 | 3.10% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $956 | $573 | $2K | 16.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4777 SHARON RD 4TH FLOOR CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $500 | $500 | 5.23% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $853 | $512 | $1K | 16.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 4777 SHARON RD 4TH FLOOR CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $284 | $284 | 3.33% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26 | $15 | $41 | 15.95% |
| MCGRIFF INSURANCE SERVICES INC3 | 4777 SHARON RD 4TH FLOOR CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $9 | $9 | 3.50% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $1.3M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 204 | $30K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 150 | $21K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 174 | $47K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 204 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.