| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP INC. | PO BOX 2263 WILMINGTON, NC 28402 | AMERITAS LIFE INSURANCE CORP. | $8K | $1K | $9K | 3.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 0.72% |
| GRIFFIN ESTEP BENEFIT GROUP3 Filed as: GRIFFIN ESTEP BENEFIT GROUP INC. | PO BOX 2263 WILMINGTON, NC 28402 | ALLSTATE WORKPLACE DIVISION | $24K | — | $24K | 15.00% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 30.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.26% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 8.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $796 | — | $796 | 1.41% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $191 | — | $191 | 0.89% |
| GRIFFIN ESTEP BENEFIT GROUP3 | PO BOX 2263 WILMINGTON, NC 28402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $317 | — | $317 | 9.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN | AGENCY, LLC COMPANY 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31 | — | $31 | 0.89% |
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 | 489 | 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) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 492 | $234K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY - SUPERIOR VISION | 0 | $0 |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 489 | $87K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 468 | $56K |
| Other(2 contracts, 2 carriers) | ALLSTATE WORKPLACE DIVISION | 489 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.