| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | GREENSBORO GREENSBORO, NC 27214 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $174K | $2K | $176K | 5.48% |
| FBP INSURANCE SERVICES | IRVINE IRVINE, CA 92602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 0.10% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3975 FAIR RIDGE DR FAIRFAX, VA 22033 | CIGNA GROUP INSURANCE | $13K | — | $13K | 10.00% |
| THE BENEFIT COMPANY INC Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $5K | $5K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3975 FAIR RIDGE DR FAIRFAX, VA 22033 | CIGNA GROUP INSURANCE | $10K | — | $10K | 10.00% |
| THE BENEFIT COMPANY INC Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $4K | $4K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3975 FAIR RIDGE DR FAIRFAX, VA 22033 | CIGNA GROUP INSURANCE | $6K | — | $6K | 10.00% |
| THE BENEFIT COMPANY INC Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | CIGNA GROUP INSURANCE | — | $2K | $2K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3975 FAIR RIDGE DR FAIRFAX, VA 22033 | CIGNA GROUP INSURANCE | $346 | — | $346 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3975 FAIR RIDGE DR FAIRFAX, VA 22033 | CIGNA GROUP INSURANCE | $14 | — | $14 | 10.29% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 PROVIDES CLAIM & SERVICES | Non-monetary compensation; Contract Administrator; Float revenue; Claims processing; Named fiduciary; Direct payment from the plan; Participant communication; Other services 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 | 241 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 695 | $3.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 695 | $3.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 695 | $3.2M |
| Life insurance | CIGNA GROUP INSURANCE | 0 | $100K |
| Short-term disability | CIGNA GROUP INSURANCE | 0 | $62K |
| Long-term disability | CIGNA GROUP INSURANCE | 0 | $128K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 695 | $3.2M |
| Other(2 contracts) | CIGNA GROUP INSURANCE | 0 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.