| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 5850 WATERLOO RD STE 240 COLUMBIA, MD 21045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $5K | $10K | 8.16% |
| MCGRIFF INSURANCE SERVICES INC3 | 5850 WATERLOO RD STE 240 COLUMBIA, MD 21045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $8K | 9.49% |
| TAGCO ASSOCIATES LP3 | PO BOX 4133 BERGHEIM, TX 78004 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 5850 WATERLOO RD STE 240 COLUMBIA, MD 21045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $7K | 10.88% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC. | 3 BETHESDA METRO CENTER SUITE 700 BETHESDA, MD 20814 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $5K | — | $5K | 9.84% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC. | 3 METRO CENTER STE 70 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 5850 WATERLOO RD STE 240 COLUMBIA, MD 21045 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | EXPRESS SCRIPTS, INC. | $1K | — | $1K | 3.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRA EMPLOYER HEALTH DBA MAESTRO EIN 56-1392505 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $77K |
| STRATEBEN EIN 38-2242132 PLAN CONSULTANT | Consulting (general) Service code 16 | — | $76K |
| MORGAN STANLEY SMITH BARNEY LLC EIN 20-8764829 NONE | Other investment fees and expenses; Direct payment from the plan; Other fees; Custodial (securities); Securities brokerage; Securities brokerage commissions and fees; Other services; Investment advisory (plan) Service code 19 | — | $33K |
| HEARD MCELROY & VESTAL LLC EIN 72-0398470 AUDITOR | Accounting (including auditing) Service code 10 | — | $18K |
| PHCS EIN 04-3138814 PPO PROVIDER | Contract Administrator Service code 13 | — | $16K |
| SAGE ADVISORY SERVICES LTD EIN 74-2798841 NONE | Investment management fees paid directly by plan Service code 51 | — | $15K |
| HEALTHCARE BLUEBOOK EIN 83-2795772 PPO PROVIDER | Contract Administrator Service code 13 | — | $5K |
| CATALYST/MILLBURN HEDGE STRATEGY I NONE | Other fees; Other services Service code 49 | — | $0 |
| GQG PARTNERS EM EQ INST EIN 83-1672243 NONE | Other fees; Other services Service code 49 | — | $0 |
| LAZARD ASSET MANAGEMENT EIN 05-0530199 NONE | Other fees; Other services Service code 49 | — | $0 |
| OAKMARK FUNDS EIN 52-2257882 NONE | Other fees; Other services Service code 49 | — | $0 |
| PIMCO INSTITUTIONAL FUNDS EIN 95-2632339 NONE | Other services; Other fees Service code 49 | — | $0 |
| THORNBURG FUNDS EIN 31-0487145 NONE | Other fees; Other services Service code 49 | — | $0 |
| TOUCHSTONE FUNDS EIN 31-0487145 NONE | Other services; Other fees Service code 49 | — | $0 |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 143 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 189 | $57K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $172K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $90K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 232 | $67K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 15 | $39K |
| Stop-loss / reinsurancereinsurance | ACCRISK/NATIONWIDE LIFE INSURANCE COMPANY | 222 | $397K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.