| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC0 | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.05% |
| THE BENEFIT COMPANY INC0 | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC0 | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.19% |
| THE BENEFIT COMPANY INC0 | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| MCGRIFF INSURANCE SERVICES INC0 | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.28% |
| THE BENEFIT COMPANY INC0 | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC0 | 2211 7TH AVE S BIRMINGHAM, AL 35233 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $985 | $985 | 5.02% |
| THE BENEFIT COMPANY INC0 | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $981 | $981 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.69% |
| THE BENEFIT COMPANY INC | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $796 | — | $796 | 4.58% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| THE BENEFIT COMPANY INC | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $912 | — | $912 | 8.47% |
| MCGRIFF INSURANCE SERVICES INC | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $888 | — | $888 | 8.24% |
| THE BENEFIT COMPANY INC | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $535 | — | $535 | 8.52% |
| MCGRIFF INSURANCE SERVICES INC | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $374 | — | $374 | 5.96% |
| THE BENEFIT COMPANY INC | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $347 | — | $347 | 6.24% |
| MCGRIFF INSURANCE SERVICES INC | PO BOX 896620 CHARLOTTE, NC 28217 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $265 | — | $265 | 4.76% |
| MCGRIFF INSURANCE SERVICES INC4 | PO BOX 896620 CHARLOTTE, NC 28289 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $296 | — | $296 | 12.18% |
| WILLIAM C SULLIVAN4 | 2225 PARKWAY PIGEON FORGE, TN 37863 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $255 | — | $255 | 10.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CONTRACT | Contract Administrator Service code 13 | 300 CORPORATE PARKWAY, SUITE 100 AMHERST, NY 14226 | $107K |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $58K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 153 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $52K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $24K |
| Other(8 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.