| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | 6000 POPLAR AVENUE, 3RD FLOOR MEMPHIS, TN 38119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $28K | $28K | 1.32% |
| MCGRIFF INSURANCE SERVICES INC3 | 12725 MORRIS ROAD, BUILDING 100 SUITE 200 ALPHARETTA, GA 30004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 14.74% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN | 701 XENIA AVENUE SOUTH, SUITE 150 MINNEAPOLIS, MN 55416 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.07% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | 12725 MORRIS ROAD, BUILDING 100 SUITE 200 ALPHARETTA, GA 30004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $656 | $0 | $656 | 0.52% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | PO BOX 2153 BIRMINGHAM, AL 35287 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $75 | $12K | 10.72% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE, SUITE 201 RALEIGH, NC 27612 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.97% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | METROPOLITAN LIFE INSURANCE COMPANY | $995 | $0 | $995 | 0.92% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $65 | $65 | 0.06% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | 1500 RIVRFRONT DRIVE, SUITE 200 LITTLE ROCK, AR 72202 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$14 | -$14 | -0.01% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | 1500, SUITE 200 LITTLE ROCK, AR 72202 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$17 | -$17 | -0.02% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | PO BOX 2153 BIRMINGHAM, AL 35287 | SAFEGUARD HEALTH PLANS, INC. | $2K | $0 | $2K | 8.36% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE, SUITE 201 RALEIGH, NC 27612 | SAFEGUARD HEALTH PLANS, INC. | $680 | $0 | $680 | 2.58% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | SAFEGUARD HEALTH PLANS, INC. | $0 | $34 | $34 | 0.13% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | 12725 MORRIS ROAD ALPHARETTA, GA 30004 | EYEMED | $1K | $0 | $1K | 7.25% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | EYEMED | $623 | $0 | $623 | 3.65% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $2.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $135K |
| Vision | EYEMED | 374 | $17K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $125K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $125K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $125K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $2.2M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.