| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27216 | CAREFIRST BLUECHOICE INC. | $52K | — | $52K | 4.00% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSC INSURANCE GROUP | 1 KELLY WAY SPARKS, MD 21152 | CAREFIRST BLUECHOICE INC. | — | $20K | $20K | 1.52% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOCIATES INSURANCE GRP | 1 KELLY WAY SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $4K | $7K | 9.54% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $575 | $575 | 0.79% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INSURANCE GRP | 1 KELLY WAY SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 | 7200 BANK CT FREDERICK, MD 21703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 12.95% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 7200 BANK CT FREDERICK, MD 21703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3975 FAIR RIDGE DR STE 110 FAIRFAX, VA 220332911 | AMERITAS LIFE INSURANCE CORP. | $445 | — | $445 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK COURT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $243 | $243 | 5.46% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 7200 BANK CT FREDERICK, MD 21703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | — |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 7200 BANK CT FREDERICK, MD 21703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | — |
| MCGRIFF INSURANCE SERVICES INC3 | 7200 BANK CT FREDERICK, MD 21703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $578 | $2K | — |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 7200 BANK CT FREDERICK, MD 21703 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $676 | $676 | — |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE INC. | 257 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $73K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 92 | $4K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $44K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $0 |
| Prescription drug | CAREFIRST BLUECHOICE INC. | 257 | $1.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.