| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 9.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P. O. BOX 168 WINSTON-SALEM, NC 27102 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.93% |
| PENTRA LLC3 | 795 EAST LANCASTER AVENUE SUITE 21 VILLANOVA, PA 190851500 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $859 | — | $859 | 0.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2108 W. LABURNUM AVENUE, SUITE 310 PO BOX 17370 RICHMOND, VA 232267370 | AMERITAS LIFE INSURANCE CORP. | $5K | — | $5K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 47 AIRPARK COURT P.O. BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $3K | $3K | 2.93% |
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 | 232 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 517 | $94K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 167 | $103K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 167 | $103K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 167 | $103K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 167 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.