| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $52K | $55K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AG LLC | 550 SOUTH CALDWELL STREET CHARLOTTE, NC 28202 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $10K | $11K | 0.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $13K | $2K | $16K | 11.80% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 4.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES,INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $11K | $2K | $13K | 11.82% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 4.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.82% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | $421 | $3K | 11.98% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $425 | $425 | 2.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $3K | $261 | $3K | 21.80% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $724 | — | $724 | 5.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $724 | $724 | 5.00% |
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 | 694 | 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) | 694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,021 | $5.7M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,021 | $5.7M |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,021 | $5.7M |
| Life insurance | RELIANCESTANDARD LIFE INSURANCE COMPANY | 694 | $113K |
| Short-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 292 | $69K |
| Long-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 697 | $134K |
| Other(3 contracts) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 694 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,021 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.