| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | P O BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $193K | — | $193K | 19.39% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 4.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 1.75% |
| FNA INSURANCE SERVICES INC3 | 300 CONNELL DRIVE STE 3000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 1.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | P O BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 3.67% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 0.76% |
| FNA INSURANCE SERVICES INC3 | 300 CONNELL DRIVE SUITE 3000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $812 | $812 | 0.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $562 | — | $562 | 0.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLNNAN AGENCY | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | CINCINATTI EQUITABLE LIFE INSURANCE | $10K | — | $10K | 19.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | P O BOX 896620 CHARLOTTE, NC 28289 | COMPANION LIFE INSURANCE COMPANY | $3K | $3K | $6K | 12.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | COMPANION LIFE INSURANCE COMPANY | $801 | — | $801 | 1.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | P O BOX 896620 CHARLOTTE, NC 28289 | MUTUAL OF OMAHA INSURANCE CO | $3K | $2K | $5K | 13.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR SUITE 2000 CHICAGO, IL 60606 | MUTUAL OF OMAHA INSURANCE CO | $667 | — | $667 | 1.66% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | ANTHEM BLUE CROSS AND BLUE SHIELD | $19K | — | $19K | 84.85% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | ANTHEM BLUE CROSS AND BLUE SHIELD | — | $4K | $4K | 16.46% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | ANTHEM BLUE CROSS AND BLUE SHIELD | $1K | $194 | $1K | 5.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM BLUE CROSS AND BLUE SHIELD | $148 | — | $148 | 0.65% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | ANTHEM BLUE CROSS AND BLUE SHIELD | — | $1 | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | P O BOX 896620 CHARLOTTE, NC 28289 | COMPANION LIFE INSURANCE CO | $2K | $1K | $3K | 14.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR SUITE 2000 CHICAGO, IL 60606 | COMPANION LIFE INSURANCE CO | $374 | — | $374 | 1.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | P O BOX 896620 CHARLOTTE, NC 28289 | MUTUAL OF OMAHA INSURANCE CO | $2K | $735 | $2K | 18.23% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE CO | $316 | — | $316 | 2.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | P O BOX 896620 CHARLOTTE, NC 28289 | COMPANION LIFE INSURANCE CO | $1K | $703 | $2K | 14.09% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | COMPANION LIFE INSURANCE CO | $201 | — | $201 | 1.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | P O BOX 896620 CHARLOTTE, NC 28289 | MUTUAL OF OMAHA INSURANCE COMPANY | $736 | $470 | $1K | 13.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR STE 2000 CHICAGO, IL 60606 | MUTUAL OF OMAHA INSURANCE COMPANY | $129 | — | $129 | 1.49% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 401 BROADHOLLOW RD SUITE 200 MELVILLE, NY 11747 | VISION SERVICE PLAN | $136 | — | $136 | 1.79% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P O BOX 896620 CHARLOTTE, NC 28289 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $524 | — | $524 | 8.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | P O BOX 896620 CHARLOTTE, NC 28289 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $149 | — | $149 | 2.49% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $5K | $5K | 93.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | P O BOX 896620 CHARLOTTE, NC 28289 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $332 | $332 | 6.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | P O BOX 896620 CHARLOTTE, NC 28289 | MUTUAL OF OMAHA INSURANCE CO | $276 | $197 | $473 | 14.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST | 233 S WACKER DR SUITE 2000 CHICAGO, IL 60606 | MUTUAL OF OMAHA INSURANCE CO | $55 | — | $55 | 1.66% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | P O BOX 896620 CHARLOTTE, NC 28289 | MUTUAL OF OMAHA INSURANCE CO | $68 | $47 | $115 | 14.08% |
| PREMEIR BENEFIT PLANS INC3 | 35 PINELAWN RD STE 208E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE CO | $13 | — | $13 | 1.59% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 35 PINELAWN ROAD STE 208E MELVILLE, NY 11747 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | — | $29 | 10.07% |
| A SECURE YOU INC3 | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $20 | — | $20 | 6.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Contract Administrator Service code 12 | — | $40K |
| CIGNA | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Float revenue Service code 12 | — | $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 | 460 | 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) | 460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 371 | $1.0M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 267 | $196K |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 267 | $162K |
| Life insurance(7 contracts, 5 carriers) | CINCINATTI EQUITABLE LIFE INSURANCE | 241 | $144K |
| Short-term disability(3 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 130 | $20K |
| Long-term disability(2 contracts) | MUTUAL OF OMAHA INSURANCE CO | 241 | $53K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 31 | $99K |
| Other(7 contracts, 5 carriers) | COMPANION LIFE INSURANCE COMPANY | 241 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.