| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $40K | — | $40K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3201 BEACHLEAF COURT RALEIGH, NC 27604 | DELTA DENTAL OF KENTUCKY | $5K | — | $5K | 2.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $34K | — | $34K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $28K | — | $28K | 13.46% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 13.87% |
| MCGRIFF INSURANCE SERVICES INC3 | 2600 EASTPOINT PKWY LOUISVILLE, KY 402235151 | THE DENTAL CONCERN, INC. | $6K | $1K | $7K | 12.01% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 SUITE 190 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| PATTY B CALLAHAN3 | 205 OAK HOLLOW AVENUE MADISON, MS 39110 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 13.02% |
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 | 569 | 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) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 1,051 | $253K |
| Vision | THE DENTAL CONCERN, INC. | 427 | $61K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 573 | $210K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 481 | $270K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 573 | $227K |
| Other(4 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 573 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,051 | — |
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.
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.