| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER BLVD SUITE 1800 GREENSBORO, NC 27409 | DELTA DENTAL OF KANSAS, INC. | $75K | — | $75K | 6.24% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT CO INC | P.O. BOX 211486 COLUMBA, SC 29221 | DELTA DENTAL OF KANSAS, INC. | $3K | — | $3K | 0.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | LINCOLN FINANCIAL GROUP | $70K | $27K | $97K | 18.76% |
| BENEFIT COMPANY INC OF SC3 Filed as: THE BENEFIT COMPANY OF SC | P. O. BOX 211486 COLUMBIA, SC 29221 | LINCOLN FINANCIAL GROUP | — | $18K | $18K | 3.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $24K | $75K | $99K | 33.49% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | LINCOLN FINANCIAL GROUP | $18K | $10K | $28K | 15.34% |
| THE BENEFIT COMPANY INC3 | P.O. BOX 211486 COLUMBA, SC 29221 | LINCOLN FINANCIAL GROUP | — | $7K | $7K | 4.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 10.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 6.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | LINCOLN FINANCIAL GROUP | — | $5K | $5K | 6.33% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | P.O. BOX 211486 COLUMBA, SC 29221 | LINCOLN FINANCIAL GROUP | — | $3K | $3K | 4.00% |
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 | 2,040 | 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) | 2,040 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 1,751 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,667 | $296K |
| Life insurance | LINCOLN FINANCIAL GROUP | 1,997 | $517K |
| Short-term disability | LINCOLN FINANCIAL GROUP | 117 | $84K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 1,541 | $182K |
| Other(3 contracts, 3 carriers) | LINCOLN FINANCIAL GROUP | 2,214 | $614K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,214 | — |
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.