| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3318 WEST FRIENDLY AVENUE GREENSBORO, NC 27410 | AETNA HEALTH, INC. | $56K | $0 | $56K | 3.59% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | AETNA HEALTH, INC. | $11K | $0 | $11K | 0.72% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA HEALTH, INC. | $6K | $0 | $6K | 0.36% |
| MCGRIFF INSURANCE SERVICES INC3 | 3318 WEST FRIENDLY AVENUE GREENSBORO, NC 27410 | AETNA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 3.17% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.74% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.38% |
| MCGRIFF INSURANCE SERVICES INC3 | 12485 28TH STREET NORTH 2ND FLOOR SAINT PETERSBURG, FL 33716 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 5.91% |
| MCGRIFF INSURANCE SERVICES INC3 | 999 SHADY GROVE, SUITE 200 MEMPHIS, TN 38119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 1.41% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 1.04% |
| MCGRIFF INSURANCE SERVICES INC3 | 125 NORTH CENTRAL AVENUE 2ND FLOOR SAINT PETERSBURG, FL 33716 | AMERITAS | $2K | $0 | $2K | 5.15% |
| MCGRIFF INSURANCE SERVICES INC3 | 47 AIRPARK COURT PO BOX 27149 GREENVILLE, SC 29616 | AMERITAS | $0 | $1K | $1K | 3.42% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEN INSURANCE GROUP LLC | 1595 SPRING HILL ROAD, SUITE 104W VIENNA, VA 22182 | AMERITAS | $213 | $0 | $213 | 0.58% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.15% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.59% |
| MARK WARE3 Filed as: MARK A. WARE | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $189 | $0 | $189 | 0.58% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $974 | $26 | $1K | 8.92% |
| MCGRIFF INSURANCE SERVICES INC3 | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $565 | $2K | $3K | 36.89% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE, SUITE 303 BALTIMORE, MD 21209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $122 | $0 | $122 | 1.77% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 201 | $2.1M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 201 | $625K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 174 | $18K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 209 | $184K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 209 | $184K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 209 | $184K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 201 | $2.1M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 209 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.