| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3318 W FRIENDLY AVE GREENSBORO, NC 27410 | AETNA LIFE INSURANCE CO. | $13K | — | $13K | 10.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET PHOENIX, AZ 85018 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 4.14% |
| MCGRIFF INSURANCE SERVICES INC3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 17.93% |
| HEALTHSMART BENEFIT SOLUTIONS3 | 222 W. LAS COLINAS BLVD, STE 600N IRVING, TX 75039 | SUN LIFE ASSURANCE COMPANY OF CANADA | $703 | — | $703 | 1.03% |
| MCGRIFF INSURANCE SERVICES INC3 | 414-F GALLIMORE DAIRY RD GREENSBORO, NC 27409 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 68 | $9K | — | $9K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414-F GALLIMORE DAIRY RD GREENSBORO, NC 27409 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 71 | $9K | — | $9K | 20.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414-F GALLIMORE DAIRY RD GREENSBORO, NC 27409 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 70 | $8K | — | $8K | 20.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414-F GALLIMORE DAIRY RD GREENSBORO, NC 27409 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 68 | $4K | — | $4K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414-F GALLIMORE DAIRY RD GREENSBORO, NC 27409 | LINCOLN NATIONAL LIFE INSURANCE COMPANY 85 | $816 | — | $816 | 20.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ALABAMA EIN 63-0103830 | Contract Administrator Service code 13 | 450 RIVERCHASE PARKWAY EAST POBOX 9 BIRMINGHAM, AL 35298 | $278K |
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 | 521 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ALABAMA | 521 | $0 |
| Dental | AETNA LIFE INSURANCE CO. | 474 | $134K |
| Vision | AETNA LIFE INSURANCE CO. | 474 | $134K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY 68 | 593 | $102K |
| Short-term disability(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 593 | $133K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY 68 | 101 | $30K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 156 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 593 | — |
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.