| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 2108 W LABURNUM AVE RICHMOND, VA 232274300 | UNITED HEALTHCARE | $25K | $115K | $140K | 4.76% |
| ACRISURE LLC3 | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | UNITED HEALTHCARE | $963 | $9K | $10K | 0.35% |
| POTOMAC INSURANCE INC3 | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | UNITED HEALTHCARE | $157 | $7K | $7K | 0.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 111 S CALVERT ST STE 2200 BALTIMORE, MD 21202 | UNITED HEALTHCARE | $15K | — | $15K | 5.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | GUARDIAN | $29K | — | $29K | 18.59% |
| ACRISURE LLC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | GUARDIAN | $3K | — | $3K | 1.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | — | HARTFORD ACCIDENT AND LIFE CO (SELMAN) | $2K | — | $2K | 7.23% |
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 | 652 | 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) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 938 | $2.9M |
| Dental | UNITED HEALTHCARE | 938 | $2.9M |
| Vision | UNITED HEALTHCARE | 938 | $2.9M |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE | 652 | $420K |
| Short-term disability | UNITED HEALTHCARE | 652 | $264K |
| Long-term disability | UNITED HEALTHCARE | 652 | $264K |
| Other(3 contracts, 3 carriers) | UNITED HEALTHCARE | 652 | $454K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 938 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.