| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 89660 CHARLOTTE, NC 282896620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 14.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ONE NORTH DALE MABRY HWY TAMPA, FL 33609 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | ONE NORTH DALE MARBY HWY TAMPA, FL 33609 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 14.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | ONE NORTH DALE MABRY HWY TAMPA, FL 33609 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.14% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DR LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $307 | $1K | 4.22% |
| WILLIAM E GECEWICZ3 Filed as: WILLIAM C GECEWICZ | 11113 LAKESIDE VISTA DR RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $629 | $49 | $678 | 2.03% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 11399 81ST PL SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $352 | $118 | $470 | 1.41% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONS CORP | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $381 | $42 | $423 | 1.27% |
| JOHN ANTHONY CARREIRO III3 | 11750 CAPRI CIR S APT 3 TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.13% |
| JAQUELYN LORETTA CARTER3 | 4416 LARKFIELD LANE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $2 | $40 | 0.12% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 214 N TRYON ST FL 46 CHARLOTTE, NC 28217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $4K | $10K | 38.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCES SERVICES, INC | PO BOX 890635 CHARLOTTE, NC 28217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $85 | — | $85 | 0.33% |
| MCGRIFF INSURANCE SERVICES INC3 | ONE NORTH DALE MARBY HWY TAMPA, FL 33609 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 13.79% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $56K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $56K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $47K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 92 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $49K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 173 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.