| 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 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $127K | $127K | 6.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $726 | $726 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 9.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ATTN EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 12.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ATTN EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $755 | — | $755 | 2.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ATTN EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ATTN EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $689 | — | $689 | 2.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ATTN EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ATTN EB COMMISSION PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $551 | — | $551 | 2.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $823 | — | $823 | 5.01% |
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 | 325 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 223 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $94K |
| Vision | VISION SERVICE PLAN | 168 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 325 | $25K |
| Short-term disability | STANDARD INSURANCE COMPANY | 66 | $25K |
| Long-term disability | STANDARD INSURANCE COMPANY | 66 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.