| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896624 | PRINCIPAL LIFE INSURANCE COMPANY | $29K | — | $29K | 11.51% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER BLVD STE 210 GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | P.O. BOX 4927 MAITLAND, FL 328024927 | AMERITAS LIFE INSURANCE CORP. | $15K | — | $15K | 10.00% |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COLLIER HEALTH | 159 | $3.5M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 490 | $154K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 490 | $154K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 286 | $249K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 286 | $249K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 286 | $249K |
| Other(2 contracts, 2 carriers) | COLLIER HEALTH | 286 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.