| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE, INC. | 414 GALLIMORE DIARY ROAD SUITE F GREENSBORO, NC 27409 | HEALTH OPTIONS, INC. | $13K | — | $13K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DIARY ROAD SUITE F GREENSBORO, NC 27409 | BLUE CROSS BLUE SHIELD OF FLORIDA | $11K | — | $11K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.87% |
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMERS STREET SUITE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.13% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $913 | — | $913 | 1.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 7650 W. COURTNEY CAMPBELL CAUSEWAY SUITE 1000 TAMPA, FL 33607 | HEALTH OPTIONS, INC. | $3K | — | $3K | 4.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 7650 W. COURTNEY CAMPBELL CAUSEWAY SUITE 1000 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.36% |
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMERS STREET SUITE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.50% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $463 | — | $463 | 1.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE INC | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.36% |
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMERS STREET SUITE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.99% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $288 | — | $288 | 1.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE INC | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 12.46% |
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMERS STREET SUITE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $631 | $631 | 5.55% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $289 | — | $289 | 2.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE, INC. | 414 GALLIMORE DIARY ROAD SUITE F GREENSBORO, NC 27409 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $935 | — | $935 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $713 | — | $713 | 8.36% |
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMERS STREET SUITE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $552 | $552 | 6.47% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $140 | — | $140 | 1.64% |
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 | 108 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 53 | $718K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 91 | $81K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 100 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $28K |
| Prescription drug(4 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 53 | $718K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.