| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 741 LANIER AVENUE W SUITE 100 FAYETTEVILLE, GA 30214 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $40K | $45K | 5.55% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEAF COURT #200 RALEIGH, NC 27604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $376 | $376 | 1.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $642 | $642 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEAF COURT #200 RALEIGH, NC 27604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $200 | $200 | 1.56% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $472 | — | $472 | 5.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $472 | $472 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEAF COURT #200 RALEIGH, NC 27604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $136 | $136 | 1.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $465 | $465 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3201 BEECHLEAF COURT #200 RALEIGH, NC 27604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $123 | $123 | 1.32% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $850 | — | $850 | 9.92% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SVCS INC | P.O. BOX 896620 SUITE 190 CHARLOTTE, NC 28289 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $693 | — | $693 | 8.09% |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 344 | $807K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 344 | $807K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 344 | $807K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 238 | $38K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 60 | $13K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $9K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 238 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.