| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $114K | $124K | 5.78% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 95483 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 13.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1825 BARRETT LAKES BLVD #320 KENNESAW, GA 30144 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $876 | — | $876 | 1.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 95483 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 13.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1825 BARRETT LAKES BLVD #320 KENNESAW, GA 30144 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $908 | — | $908 | 1.35% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 95483 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 13.69% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1825 BARRETT LAKES BLVD #320 KENNESAW, GA 30144 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $554 | — | $554 | 1.31% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 3130 CROW CANYON PL STE 400 SAN RAMON, CA 95483 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1825 BARRETT LAKES BLVD #320 KENNESAW, GA 30144 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $215 | — | $215 | 1.25% |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 221 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 221 | $2.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 221 | $2.2M |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 297 | $84K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 297 | $70K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 74 | $42K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 297 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.