| 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 | $37K | — | $37K | 6.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | PO BOX 31128 RALEIGH, NC 27622 | LIFE INSURANCE OF NORTH AMERICA | $55K | — | $55K | 10.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | P.O. BOX 31128 RALEIGH, NC 27622 | LIFE INSURANCE OF NORTH AMERICA | $22K | — | $22K | 10.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 9.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | — | $18K | 20.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 550 SOUTH CALDWELL STREET SUITE 1500 CHARLOTTE, NC 28202 | DELTA DENTAL OF KENTUCKY | $6K | — | $6K | 7.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | P.O. BOX 31128 RALEIGH, NC 27622 | LIFE INSURANCE OF NORTH AMERICA | $37K | — | $37K | 100.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF A MARSH & MCLENNAN AGENCY | PO BOX 31128 RALEIGH, NC 27622 | LIFE INSURANCE OF NORTH AMERICA | $4K | — | $4K | 10.10% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $28 | $28 | — |
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 | 1,494 | 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) | 1,494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 2,544 | $551K |
| Vision | DELTA DENTAL OF KENTUCKY | 9 | $79K |
| Life insurance | LIFE INSURANCE OF NORTH AMERICA | 2,734 | $542K |
| Short-term disability | LIFE INSURANCE OF NORTH AMERICA | 1,494 | $37K |
| Long-term disability | LIFE INSURANCE OF NORTH AMERICA | 1,491 | $215K |
| Other(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,495 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,734 | — |
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.