| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | HEALTH CARE SERVICE CORPORATION | $116K | $0 | $116K | 3.39% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1700 GREENSBORO, NC 27409 | DEARBORN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 9.99% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.96% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $2K | $6K | 6.53% |
| MCGRIFF INSURANCE SERVICES INC3 | BARGER INSURANCE NETWORK 7701 AIRPORT CENTER DR. GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $537 | $537 | 0.55% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR # 1800 GREENSBORO, NC 274099047 | AMERITAS LIFE INSURANCE CORP | $2K | $0 | $2K | 9.25% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEFITS INC | 11910 ANDERSON MILL RD AUSTIN, TX 787261135 | AMERITAS LIFE INSURANCE CORP | — | $1K | $1K | 7.43% |
| MCGRIFF INSURANCE SERVICES INC3 | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP | — | $55 | $55 | 0.31% |
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 | 430 | 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) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 439 | $3.4M |
| Dental(2 contracts, 2 carriers) | HEALTH CARE SERVICE CORPORATION | 439 | $3.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 707 | $159K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 707 | $159K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 161 | $98K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 707 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.