| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER BLVD #1800 7701 AIRPORT CENTER DR #1800 GREENSBORO, NC 27409 | UNITED HEALTHCARE | $2K | $41K | $43K | 3.94% |
| LASSITER WARE3 | 1317 CITIZENS BLVD 1317 CITIZENS BLVD LEESBURG, FL 34748 | UNITED HEALTHCARE | $8K | — | $8K | 0.73% |
| LASSITER WARE3 | 1317 CITIZENS BLVD LEESBURG, FL 34748 | THE LINCOLN NATIONAL INSURANCE COMPANY | $3K | — | $3K | 13.63% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 4927 ORLANDO, FL 32802 | THE LINCOLN NATIONAL INSURANCE COMPANY | $303 | $336 | $639 | 2.90% |
| LASSITETR WARE3 | 1317 CITIZENS BLVD LEESBURG, FL 34748 | THE LINCOLN NATIONAL LIFE INSIRANCE COMPANY | $3K | — | $3K | 13.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SRVICES INC | PO BOX 4927 ORLANDO, FL 32802 | THE LINCOLN NATIONAL LIFE INSIRANCE COMPANY | $332 | $360 | $692 | 3.23% |
| LASSITER WARE3 | 1317 CITIZENS BLVD LEESBURG, FL 34748 | VISION SERVICE PLAN | $707 | — | $707 | — |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 4927 ORLANDO, FL 32802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $177 | $1K | $1K | — |
| LASSITER WARE3 | 1317 CITIZENS BLVD LEESBURG, FL 34748 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $903 | — | $903 | — |
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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 240 | $1.1M |
| Dental | UNITED HEALTHCARE | 240 | $1.1M |
| Vision | VISION SERVICE PLAN | 107 | $0 |
| Life insurance | THE LINCOLN NATIONAL LIFE INSIRANCE COMPANY | 78 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 26 | $0 |
| Long-term disability | THE LINCOLN NATIONAL INSURANCE COMPANY | 65 | $22K |
| Prescription drug | UNITED HEALTHCARE | 240 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.