| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $11K | $32K | 7.59% |
| MERCER HEALTH AND BENEFITS, LLC3 | ONE INVESTORS WAY NORWOOD, MA 02062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $512 | $9K | 2.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE, 2ND FLOOR RALEIGH, NC 27612 | DELTA DENTAL OF RHODE ISLAND | $2K | — | $2K | 0.97% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF RHODE ISLAND | $749 | — | $749 | 0.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 8.15% |
| LONA BISHOP3 | P.O. BOX 645 LURAY, VA 22835 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.70% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.15% |
| MARK WARE3 Filed as: MARK A. WARE | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $234 | — | $234 | 0.33% |
| LONA BISHOP3 | PO BOX 645 LURAY, VA 22835 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.86% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 310502 DES MOINES, IA 50331 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 8.65% |
| LONA BISHOP3 | PO BOX 645 LURAY, VA 22835 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.44% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $714 | — | $714 | 1.75% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $197 | — | $197 | 0.48% |
| VARIOUS - SEE ATTACHMENT3 | POST OFFICE BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 5.57% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $713 | — | $713 | 10.29% |
| LONA BISHOP3 | PO BOX 645 LURAY, VA 22835 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $661 | — | $661 | 9.54% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 3605 GLENWOOD AVE SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $337 | — | $337 | 14.05% |
| LONA BISHOP3 | PO BOX 645 LURAY, VA 22835 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $295 | — | $295 | 12.30% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 1.04% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.71% |
| VENESSA N DEAN3 | 3555 SOUTH OCEAN BLVD SOUTH PALM BEACH, FL 33480 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 1.87% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.94% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN E BERG | 319 THOMASTON ROAD WATERTOWN, CT 06795 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.47% |
| DAVID L FLEURY3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.23% |
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 | 462 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 75 | $50K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 467 | $583K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 467 | $427K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 467 | $427K |
| Short-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 467 | $453K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 467 | $427K |
| Other(5 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 467 | $548K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.