| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE STE 201 RALEIGH, NC 27612 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES | $87K | $21K | $108K | 4.47% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 4.96% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $1K | $1K | 0.59% |
| MCGRIFF INSURANCE SERVICES INC3 | 3975 FAIR RIDGE DRIVE SUITE #110 NORTH BUILDING FAIRFAX, VA 22033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 6.77% |
| MCGRIFF INSURANCE SERVICES INC3 | 3975 FAIR RIDGE DRIVE SUITE #110 NORTH BUILDING FAIRFAX, VA 22033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 8.84% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 1481.09 CHARLOTTE, NC 282896620 | VISION SERVICE PLAN | $1K | — | $1K | 4.45% |
| MCGRIFF INSURANCE SERVICES INC3 | 3975 FAIR RIDGE DRIVE SUITE #110 NORTH BUILDING FAIRFAX, VA 22033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.47% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $1K | — | $1K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEECHLEAF CT SUITE 200 RALEIGH, NC 27604 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 23.30% |
| MARY THERESA FISHER4 | 29C OWENS LANDING CT PERRYVILLE, MD 21903 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 11.76% |
| BB&T INSURANCE SERVICES, INC.4 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 896620 CHARLOTTE, NC 28289 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 7.26% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $33 | — | $33 | 5.04% |
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 | 294 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES | 442 | $2.4M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 226 | $210K |
| Vision | VISION SERVICE PLAN | 158 | $33K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 304 | $30K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 303 | $59K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 303 | $52K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 304 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.