| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | — | $48K | 10.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $528 | $8K | 10.61% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 214 N TRYON STREET CHARLOTTE, NC 28202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $349 | $349 | 0.48% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1020 DRAYTON STREET SUITE 200 SAVANNAH, GA 31401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 16.24% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1020 DRAYTON STE 200 SAVANNAH, GA 31401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 16.01% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1020 DRAYTON STE 200 SAVANNAH, GA 31401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.92% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1020 DRAYTON STREET SUITE 200 SAVANNAH, GA 31401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $695 | — | $695 | 16.14% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1020 DRAYTON STREET STE 200 SAVANNAH, GA 31401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $566 | — | $566 | 16.16% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1020 DRAYTON SUITE 200 SAVANNAH, GA 31401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $441 | — | $441 | 17.80% |
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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 196 | $438K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 100 | $73K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 100 | $73K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 281 | $19K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $62K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 26 | $11K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.