| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DR SUITE 1800 GREENSBORO, NC 18362 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $32K | $34K | 2.16% |
| FRED M MCKAY3 | 3 FARM CT WALLINGFORD, CT 03241 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $16K | $18K | 1.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $5K | $395 | $5K | 4.33% |
| FRED M MCKAY3 | 440 WHEELERS FARMS ROAD SUITE 303 MILFORD, CT 06461 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 3.98% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2 ENTERPRISE DRIVE SUITE 204 SHELTON, CT 06484 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.61% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $1.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 147 | $124K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 147 | $124K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 147 | $124K |
| Other | HARTFORD LIFE AND ACCIDENT | 147 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.