| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $95K | $95K | 5.95% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $743 | $743 | 0.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $743 | $9K | 10.68% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ATTN EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 13.49% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ATTN EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $646 | — | $646 | 2.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ATTN EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ATTN EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $659 | — | $659 | 3.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ATTN EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 9.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ATTN EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $478 | — | $478 | 2.82% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $747 | — | $747 | 4.99% |
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. |
| 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 | 211 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $87K |
| Vision | VISION SERVICE PLAN | 143 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 278 | $22K |
| Short-term disability | STANDARD INSURANCE COMPANY | 44 | $17K |
| Long-term disability | STANDARD INSURANCE COMPANY | 42 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.