| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | CHARLOTTE CHARLOTTE, NC 27214 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $145K | $4K | $149K | 6.05% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC. | CHARLOTTE CHARLOTTE, NC 27214 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | — | $20K | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 5500 CHEROKEE AVE #300 ALEXANDRIA, VA 22312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | — | $39K | 10.89% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC. | 736 MARKET ST SUITE 1000 CHATTANOOG, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 736 MARKET ST SUITE 1000 CHATTANOOG, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $863 | $863 | 0.47% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 736 MARKET ST SUITE 1000 CHATTANOOG, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $605 | $605 | 0.49% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DR #1800 GREENSBORO, NC 27409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 11.85% |
| THE BENEFIT COMPANY INC3 | P.O. BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 5500 CHEROKEE AVE #300 ALEXANDRIA, VA 22312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $516 | — | $516 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 736 MARKET ST SUITE 1000 CHATTANOOG, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6 | $6 | 0.12% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45 | — | $45 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 736 MARKET ST SUITE 1000 CHATTANOOG, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2 | $2 | 0.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DR #1800 GREENSBORO, NC 27409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 9.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 PROVIDES CLAIM & SERVICES | Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Other services; Named fiduciary; Participant communication; Non-monetary compensation Service code 12 | — | $0 |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 672 | $2.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 672 | $2.8M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 672 | $2.8M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 68 | $235K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 68 | $239K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 672 | $2.5M |
| Other(8 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 238 | $624K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.