| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $17K | — | $17K | 2.21% |
| ROBERT F GROOM3 Filed as: ROBERT GROOM | 601 TENNESSEE AVE CHARLESTON, WV 25302 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $12K | — | $12K | 1.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 8.92% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.00% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 118 | $764K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $66K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $66K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $66K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.