| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 8.15% |
| MCGRIFF INSURANCE SERVICES INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $964 | — | $964 | 2.47% |
| MCGRIFF INSURANCE SERVICES INC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $626 | — | $626 | 9.99% |
| MCGRIFF INSURANCE SERVICES INC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $261 | — | $261 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $131K |
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 | 324 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 582 | $173K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 487 | $39K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $51K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 295 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.