| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | BLUECROSS BLUESHIELD OF MONTANA | $116K | — | $116K | 7.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SIEBELS & WILLIAMS, INC. | PO BOX 10265 BIRMINGHAM, AL 35233 | BLUECROSS BLUESHIELD OF MONTANA | $7K | — | $7K | 0.42% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD - HA GROUP | 701 E 22ND ST SUITE 300 LOMBARD, IL 60146 | BLUECROSS BLUESHIELD OF MONTANA | -$45K | — | -$45K | -2.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | PO BOX 4386 MISSOULA, MT 59806 | DEARBORN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.12% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 2211 7TH AVENUE SOUTH BIRMINGHAM, AL 35233 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.98% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | VISION SERVICE PLAN | $825 | — | $825 | 3.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SIEBELS & WILLIAMS, INC. | PO BOX 10265 BIRMINGHAM, AL 35233 | VISION SERVICE PLAN | $431 | — | $431 | 1.73% |
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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF MONTANA | 265 | $1.5M |
| Dental | BLUECROSS BLUESHIELD OF MONTANA | 265 | $1.5M |
| Vision | VISION SERVICE PLAN | 182 | $25K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 189 | $80K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 189 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.