| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH MCLENNAN AGENCY LLC | PO BOX 896620 CHARLOTTE, NC 28217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $4K | $12K | 17.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | PO BOX 896620 CHARLOTTE, NC 28217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $4K | $9K | 14.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | PO BOX 896620 CHARLOTTE, NC 28217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 18.25% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 23127 COLUMBIA, SC 29224 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 9.49% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $770 | $2K | 8.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, MCGRIFF | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $990 | — | $990 | 4.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 2200 OLD BRICK ROAD GLEN ALLEN, VA 23060 | COMMUNITY EYE CARE, LLC | $2K | — | $2K | 10.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 23127 COLUMBIA, SC 29224 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 9.34% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $659 | $460 | $1K | 7.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, MCGRIFF | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $657 | — | $657 | 4.66% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 23127 COLUMBIA, SC 29224 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 9.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $562 | $365 | $927 | 7.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, MCGRIFF | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $614 | — | $614 | 4.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH MCLENNAN AGENCY LLC | PO BOX 896620 CHARLOTTE, NC 28217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $506 | $267 | $773 | 16.64% |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE, LLC | 301 | $22K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 307 | $71K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $66K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 264 | $44K |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 307 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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."
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.