| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $3K | $11K | $14K | 3.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3605 GLENWOOD AVE SUITE 201 RALEIGH, NC 27612 | KAISER PERMANENTE | $2K | — | $2K | 3.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GOVERNMENT SERVICE ADMINISTRATORS EIN 11-3335620 PLAN ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | 888 VETERANS MEMORIAL HWY STE 540 HAUPPAUGE, NY 11788 | $63K |
| FRYE & COMPANY, CPAS EIN 45-4199441 PLAN AUDITOR | Accounting (including auditing) Service code 10 | 9161 LIBERIA AVE SUITE 304 MANASSAS, VA 20110 | $17K |
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 | 332 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 161 | $486K |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 161 | $428K |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 161 | $428K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $9K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.