| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3975 FAIR RIDGE DR STE 110 NORTH FAIRFAX, VA 22033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $140K | — | $140K | 22.62% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DR. SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | — | $48K | 7.73% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 101 CRAWFORDS CORNER RD STE 1300 HOLMDEL, NJ 077331978 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 0.74% |
| MCGRIFF INSURANCE SERVICES INC3 | 8200 GREENSBORO DRIVE STE 1000 GD MCLEAN, VA 22102 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $7K | — | $7K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 736 MARKET ST STE 1000 CHATTANOOGA, TN 374024805 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $4K | $4K | 5.27% |
| MCGRIFF INSURANCE SERVICES INC3 | 8200 GREENSBORO DRIVE STE 1000 GD MCLEAN, VA 22102 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 736 MARKET ST STE 1000 CHATTANOOGA, TN 374024805 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $1K | $1K | 5.31% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST COLUMBIA, SC 29201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | P. O. BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 8200 GREENSBORO DRIVE STE 1000 GD MCLEAN, VA 22102 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $1K | — | $1K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 736 MARKET ST STE 1000 CHATTANOOGA, TN 374024805 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $747 | $747 | 5.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | P. O. BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 16.05% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST COLUMBIA, SC 29201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION ST COLUMBIA, SC 29201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $633 | — | $633 | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | P. O. BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $422 | — | $422 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 8200 GREENSBORO DRIVE STE 1000 GD MCLEAN, VA 22102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $292 | — | $292 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 736 MARKET ST 736 MARKET ST CHATTANOOGA, TN 374024805 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $160 | $160 | 5.48% |
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 | 305 | 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) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $619K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $619K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $619K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 305 | $20K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 303 | $71K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 26 | $14K |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 305 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.