| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 333 S GARLAND AVE SUITE 1600 ORLANDO, FL 32801 | HEALTH OPTIONS, INC. | $50K | $0 | $50K | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | HEALTH OPTIONS, INC. | $24K | $0 | $24K | 4.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 4927 MAITLAND, FL 32802 | AMERITAS LIFE INSURANCE CORP | $5K | $0 | $5K | 5.17% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | AMERITAS LIFE INSURANCE CORP | $2K | $0 | $2K | 2.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVE MAITLAND OFFICE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.67% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $863 | $3K | 13.80% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.94% |
| MCGRIFF INSURANCE SERVICES INC3 | 4309 EMPEROR BLVD SUITE 300 DURHAM, NC 27703 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $37 | $2K | 12.07% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | RELIASTAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $933 | $703 | $2K | 11.71% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $465 | $0 | $465 | 3.33% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE MAITLAND OFFICE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $289 | $37 | $326 | 7.87% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $125 | $0 | $125 | 3.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $633 | $633 | — |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTH OPTIONS, INC. | 153 | $1.5M |
| Dental | AMERITAS LIFE INSURANCE CORP | 327 | $99K |
| Vision | AMERITAS LIFE INSURANCE CORP | 327 | $99K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $23K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $48K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 276 | $37K |
| Prescription drug(2 contracts) | HEALTH OPTIONS, INC. | 153 | $1.5M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.