| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 214 N TRYON STREET FLOOR 46 CHARLOTTE, NC 28202 | HEALTH FIRST HEALTH PLANS, INC. | $34K | — | $34K | 4.91% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER BLVD SUITE 1800 GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 4.68% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | TRANSAMERICA INSURANCE COMPANY | $4K | — | $4K | 15.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 10100 KATY FWY SUITE 400 HOUSTON, TX 77043 | TRANSAMERICA INSURANCE COMPANY | $3K | — | $3K | 13.52% |
| WEB TPA3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE COMPANY | $3K | — | $3K | 11.96% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN ROAD SUITE 200 ESCELSIOR, ME 55331 | TRANSAMERICA INSURANCE COMPANY | $1K | — | $1K | 6.01% |
| IMPACT INTERACTIVE LLC3 | P.O. BOX 603188 CHARLOTTE, NC 282603188 | TRANSAMERICA INSURANCE COMPANY | $843 | — | $843 | 3.42% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY INSURANCE COMPANY | — | $125 | $125 | 2.04% |
| LAURETTA INSURANCE AGENCY3 Filed as: LAURETTA, DOMINIC | PO BOX 540249 MERRITT ISLAND, FL 32954 | AMERICAN FIDELITY INSURANCE COMPANY | $16 | — | $16 | 0.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 6905 N WICKHAM ROAD #501 MELBOURNE, FL 32940 | AMERICAN FIDELITY INSURANCE COMPANY | $11 | — | $11 | 0.18% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY INSURANCE COMPANY | -$2K | — | -$2K | -37.09% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH FIRST HEALTH PLANS, INC. | 224 | $692K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $135K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 374 | $135K |
| Life insurance | AMERICAN FIDELITY INSURANCE COMPANY | 0 | $6K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $146K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $146K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.