| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 300 SUMMERS ST STE 150 CHARLESTON, WV 253011624 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $58K | $61K | 3.59% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF - CHARLESTON | 300 SUMMERS ST STE 150 CHARLESTON, WV 253011624 | UNITEDHEALTHCARE INSURANCE COMPANY | $671 | $6K | $6K | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 7.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | — | $939 | $939 | 0.91% |
| SHELDON D. BARRON3 Filed as: SHELDON D BARRON | PO BOX 699 JAMESTOWN, TN 38556 | HARTFORD LIFE AND ACCIDENT | -$4 | — | -$4 | -0.00% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 342 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 342 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 342 | $1.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 190 | $103K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 190 | $103K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 190 | $103K |
| Other | HARTFORD LIFE AND ACCIDENT | 190 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.