| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $1K | — | $1K | 4.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.32% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $448 | $359 | $807 | 3.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.63% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $403 | $202 | $605 | 3.56% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.36% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $244 | $113 | $357 | 3.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN ACY LLC-MMA | 2600 EASTPOINT PKWY LOUISVILLE, KY 402235151 | THE DENTAL CONCERN, INC. | $525 | — | $525 | 6.78% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOODAVENUE SUITE 201 RALEIGH, NC 276123908 | THE DENTAL CONCERN, INC. | $389 | — | $389 | 5.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERV INC-LOUISVILLE | 2600 EASTPOINT PKWY LOUISVILLE, KY 402235151 | THE DENTAL CONCERN, INC. | $247 | — | $247 | 3.19% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $131 | — | $131 | 10.27% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60 | $28 | $88 | 6.90% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 139 | $33K |
| Vision | THE DENTAL CONCERN, INC. | 85 | $8K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $26K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 79 | $27K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2 | $1K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 173 | $26K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.