| 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 | $197K | $6K | $203K | 6.45% |
| FBP INSURANCE SERVICES | IRVINE IRVINE, CA 92602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3975 FAIR RIDGE DR FAIRFAX, VA 22033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 10.00% |
| THE BENEFIT COMPANY INC Filed as: THE BENEFIT COMPANY INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 3.43% |
| LIFE INSURANCE COMPANY OF NORTH AME | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3975 FAIR RIDGE DR FAIRFAX, VA 22033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30 | — | $30 | 10.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 PROVIDES CLAIM & SERVICES | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing 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)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 717 | $3.4M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 717 | $3.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 717 | $3.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $34K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $89K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $34K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 717 | $3.2M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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.