| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | DELTA DENTAL OF KANSAS, INC. | $65K | — | $65K | 5.48% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT CO INC | 3800 FERNANDINA ROAD COLUMBIA, SC 29210 | DELTA DENTAL OF KANSAS, INC. | $5K | — | $5K | 0.46% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | LINCOLN FINANCIAL GROUP | $88K | $17K | $105K | 16.05% |
| BENEFIT COMPANY INC OF SC3 Filed as: THE BENEFIT COMPANY OF SC | P. O. BOX 211486 COLUMBIA, SC 29221 | LINCOLN FINANCIAL GROUP | $6K | $17K | $23K | 3.56% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $24K | — | $24K | 8.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | LINCOLN FINANCIAL GROUP | $25K | $6K | $31K | 12.51% |
| THE BENEFIT COMPANY INC3 | P.O. BOX 211486 COLUMBA, SC 29221 | LINCOLN FINANCIAL GROUP | $3K | $7K | $10K | 4.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | P.O. BOX 211486 COLUMBA, SC 29221 | LINCOLN FINANCIAL GROUP | $913 | $3K | $4K | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN FINANCIAL GROUP | — | $3K | $3K | 2.80% |
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 | 2,194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 1,953 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,778 | $300K |
| Life insurance | LINCOLN FINANCIAL GROUP | 2,210 | $656K |
| Short-term disability | LINCOLN FINANCIAL GROUP | 110 | $90K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 1,681 | $246K |
| Other(2 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP | 2,265 | $698K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,265 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.