| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, MCGRIFF | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 7.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 5.78% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $2K | $29K | 20.26% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS,INC. | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 7.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $511 | $511 | 0.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $51 | $51 | 0.04% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NJ 11788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10 | $10 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $1K | $78 | $1K | 15.89% |
| PRICE, DUSTIN3 | 1800 HIDDEN CREEK DR SHERWOOD, AR 72113 | USABLE LIFE | $67 | — | $67 | 0.98% |
| MARIA VANDYKE3 | 13 PAWNEE COURT MAUMELLE, AR 72113 | USABLE LIFE | $9 | — | $9 | 0.13% |
| JERRY DUNCAN3 | 516 EAST MILLSAP ROAD STE 103 C/O AR BLUE CROSS BLUE SHIELD FAYETTEVILLE, AR 72703 | USABLE LIFE | $8 | — | $8 | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGRIFF, A MARSH & MCLENNAN AGENCY EIN 56-1623293 BROKER | Insurance agents and brokers; Participant communication; Float revenue; Named fiduciary; Other services; Direct payment from the plan; Non-monetary compensation; Contract Administrator Service code 13 | 7701 AIRPORT CENTER, STE 1800 GREENSBORO, NC 27409 | $46K |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $192K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $143K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $143K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $149K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 345 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.