| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | P.O. BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $5K | $50K | 9.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, STE 400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $166 | $166 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 550 S. CALDWELL ST SUITE 1500 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | $5K | $28K | 13.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DR, STE 1800 GREENSBORO, NC 27409 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 3.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 3.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 3400 OVERTON PARK DR SUITE 300 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $0 | $354 | $354 | 0.88% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 CHARLOTTE, NC 282896620 | UNUM INSURANCE COMPANY | $0 | $898 | $898 | 3.45% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM INSURANCE COMPANY | $0 | $846 | $846 | 3.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 3400 OVERTON PARK DR SUITE 300 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $0 | $242 | $242 | 1.06% |
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 | 402 | 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) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,075 | $477K |
| Vision | VISION SERVICE PLAN | 314 | $95K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 777 | $536K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 392 | $208K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,026 | $1.8M |
| Other(6 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 402 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,075 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.