| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 1425 SEMINOLE TRL FL 2 CHARLOTTESVLE, VA 229011417 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | $116 | $55K | 5.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF - CHARLOTTESVILLE | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 274099047 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $17K | $17K | 1.81% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 11350 MCCORMICK ROAD EXECUTIVE PLAZA 4 STE 400 HUNT VALLEY, MD 21031 | UNITEDHEALTHCARE INSURANCE COMPANY | $904 | — | $904 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 7391 HODGSON MEMORIAL DRIVE SUITE 100 SAVANNAH, GA 31406 | GUARDIAN | $13K | — | $13K | 7.39% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS | 6 N PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | GUARDIAN | $5K | — | $5K | 2.98% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 111 | $931K |
| Dental | GUARDIAN | 133 | $175K |
| Vision | GUARDIAN | 133 | $175K |
| Life insurance | GUARDIAN | 133 | $175K |
| Short-term disability | GUARDIAN | 133 | $175K |
| Long-term disability | GUARDIAN | 133 | $175K |
| Other | GUARDIAN | 133 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.