| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE, INC. | 12485 28TH ST N. FL 2 ST. PETERSBURG, FL 31891 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $47K | $52K | 2.67% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA, LLC | 375 E WARM SPRINGS RD STE 201 LAS VEGAS, NV 84859 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $37K | $40K | 2.10% |
| BB&T INSURANCE SERVICES, INC.3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DR STE 1800 SAINT PETERSBURG, NC 27409 | UNITED HEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 3.79% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA, LLC | 375 E WARM SPRINGS RD STE 201 LAS VEGAS, NV 89119 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 8.88% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.47% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA, LLC | 375 E WARM SPRINGS RD STE 201 LAS VEGAS, NV 89119 | TRANSAMERICA LIFE INSURANCE COMPANY | $107 | — | $107 | 0.13% |
| VOLUNTARY BENEFITS SPECIALISTS LLC3 Filed as: VOLUNTARY BENEFITS SPECIALISTS, LLC | 289 FARRIS AVENUE LAS VEGAS, NV 89183 | TRANSAMERICA LIFE INSURANCE COMPANY | $48 | — | $48 | 0.06% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 380 | $2.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 380 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 380 | $1.9M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 204 | $383K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 204 | $383K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 204 | $383K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 380 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.