| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVE, STE 201 RALEIGH, NC 27612 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $69K | — | $69K | 3.56% |
| KEVIN HAMMING3 Filed as: KEVIN A HAMMING | 43370 MOUND ROAD STERLING HEIGHTS, MI 48314 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $29K | — | $29K | 1.51% |
| BRSI EMPLOYEE BENEFIT SOLUTIONS LLC3 Filed as: BRSI EMPLOYEE BENEFIT SOLUTION 04 | 43370 MOUND RD. STERLING HEIGHTS, MI 48314 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 5.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. 61 | 3605 GLENWOOD AVE, STE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. 73 | 3605 GLENWOOD AVE, STE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.63% |
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 | 349 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 245 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $327K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $327K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $327K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $327K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $327K |
| Prescription drug | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 245 | $1.9M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.