| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF AN MMA COMPANY | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | $4K | $32K | 9.39% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS INC | — | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 5.45% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC | — | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 3.03% |
| IMG5 | — | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $75 | $75 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $470 | $470 | 0.68% |
| MCGRIFF INSURANCE SERVICES INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 9.10% |
| JAMES A SCOTT & SON INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.21% |
| MCGRIFF INSURANCE SERVICES INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $242 | $242 | 0.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $104K |
| DELTA DENTAL OF NORTH CAROLINA EIN 56-1018068 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $16K |
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $15K |
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 | 369 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 489 | $153K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 481 | $338K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 481 | $338K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 481 | $338K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 481 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.