| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLATINUM ENROLLMENT SOLUTIONS Filed as: PLATINUM ENROLLMENT SOLUTIONS LLC | STE 288-53 7100 FOUNDRY ROW LIBERTY TOWNSHIP, OH 45069 | GUARDIAN | $6K | — | $6K | 8.69% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC | 114 W WALNUT STREET KOKOMO, IN 46901 | GUARDIAN | $4K | $850 | $5K | 7.03% |
| PLATINUM ENROLLMENT SOLUTIONS3 Filed as: PLATINUM ENROLLMENT SOLUTIONS LLC | STE 288-53 7100 FOUNDRY ROW LIBERTY TOWNSHIP, OH 45069 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $19K | — | $19K | 59.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 214 N TRYON ST FL 46 CHARLOTTE, NC 28202 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $13K | — | $13K | 42.00% |
| PLATINUM ENROLLMENT SOLUTIONS | 7100 FOUNDRY ROW SUITE 288-53 WEST CHESTER, OH 45069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 325.20% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES LLC | MCGRIFF INSURANCE SERVICES, INC 214 N TRYON ST., SUITE 46 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 216.87% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 121 | $882K |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 121 | $882K |
| Vision | GUARDIAN | 115 | $69K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 115 | $100K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 127 | $71K |
| Long-term disability | GUARDIAN | 115 | $69K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 121 | $882K |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 121 | $882K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.