| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVE RALEIGH, NC 27216 | CAREFIRST BLUECHOICE | $16K | $64K | $80K | 5.42% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE | — | $14K | $14K | 0.94% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOC. INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $9K | $33K | 20.51% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $3K | $24K | 14.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE, SUITE 201 RALEIGH, MD 276123908 | METROPOLITAN LIFE INSURANCE COMPANY | — | $45 | $45 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7200 BANK CT FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 9.01% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 5.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | VISION SERVICE PLAN | $2K | — | $2K | 4.75% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC. INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 211529484 | VISION SERVICE PLAN | $2K | — | $2K | 4.59% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7200 BANK CT FREDERICK, MD 21703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $225 | $5K | 16.83% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INSURANCE | 1 KELLY WAY SPARKS, MD 21152 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 5.34% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 271 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $159K |
| Vision | VISION SERVICE PLAN | 141 | $37K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $166K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $138K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $138K |
| Prescription drug | CAREFIRST BLUECHOICE | 271 | $1.5M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.