| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $43K | $92K | $135K | 7.36% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3400 OVERTON PARK DRIVE SE SUITE 300 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $103K | — | $103K | 16.49% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3400 OVERTON PARK DRIVE SE SUITE 300 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $78K | — | $78K | 19.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3400 OVERTON PARK DRIVE SE SUITE 300 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | — | $35K | 16.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS | P O BOX 896620 CHAROTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 9.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $65K | — | $65K | 46.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $99K | — | $99K | 84.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $83K | — | $83K | 77.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | P O BOX 890620 CHARLOTTE, NC 28289 | METROPOLITAN GENERAL INSURANCE COMPANY | $6K | $405 | $7K | 12.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RJF | PARK 80 WEST SADDLEBROOK, NJ 07663 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $228 | $228 | 0.41% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $204 | $204 | 0.36% |
| PRECEPT INSURANCE SOLUTIONS3 Filed as: PRECEPT | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $105 | $105 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 6279 TRI RIDGE BLVD SUITE 400 LOCELAND, OH 45140 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $7 | $7 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3400 OVERTON PARK DRIVE SE SUITE 300 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.38% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3400 OVERTON PARK DRIVE SE SUITE 300 ATLANTA, GA 30339 | NEW YORK LIFE GROUP INSURANCE CO OF NY | $2K | — | $2K | 9.35% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3400 OVERTON PARK DR SE SUITE 300 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 52.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF | 3400 OVERTON PARK DR SUITE 300 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $440 | — | $440 | 9.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Other services; Participant communication; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Named fiduciary; Float revenue Service code 12 | — | $1.1M |
| MCGRIFF SEIBELS AND WILLIAMS EIN 20-0468966 BROKER | Insurance services; Insurance agents and brokers Service code 22 | — | $92K |
| CIGNA | Participant communication; Float revenue; Named fiduciary; Other services; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator 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 | 1,788 | 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) | 1,788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,947 | $175K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,947 | $175K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 205 | $408K |
| Short-term disability(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,788 | $632K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,788 | $217K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,947 | $175K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,947 | $175K |
| Other(12 contracts, 6 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,788 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,947 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.