| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $105K | — | $105K | 9.91% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1465 E. JOYCE BLVD. FAYETTEVILLE, AR 727035254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $8K | $11K | 5.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 4.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | — | $21K | 11.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1465 E. JOYCE BLVD. FAYETTEVILLE, AR 727035254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $8K | $16K | 8.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 11.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1465 E. JOYCE BLVD. FAYETTEVILLE, AR 727035254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $5K | $8K | 8.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 23.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 7200 BANK COURT FREDERICK, MD 21703 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 11.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 20409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 11.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1465 E. JOYCE BLVD. FAYETTEVILLE, AR 727035254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 8.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 1465 E. JOYCE BLVD. FAYETTEVILLE, AR 727035254 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 7.81% |
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 | 648 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 983 | $1.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 983 | $1.1M |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 665 | $280K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 665 | $245K |
| Long-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 665 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 983 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.