| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TEABERRY BENEFIT ANALYSTS LLC0 Filed as: TEABERRY BENEFIT ANALYSTS | 19201 VISTA LANE D 10 INDIAN SHORES, FL 33785 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 8.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 29289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 5.60% |
| TEABERRY BENEFIT ANALYSTS LLC3 Filed as: TEABERRY BENEFIT ANALYSTS | 19201 VISTA LANE D 10 INDIAN SHORES, FL 33785 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 6.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.99% |
| TEABERRY BENEFIT ANALYSTS LLC3 Filed as: TEABERRY BENEFIT ANALYSTS | 19201 VISTA LANE D 10 INDIAN SHORES, FL 33785 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.90% |
| TEABERRY BENEFIT ANALYSTS LLC3 | 19201 VISTA LANE D 10 INDIAN SHORES, FL 33785 | AETNA LIFE INSURANCE CO | $2K | — | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA LIFE INSURANCE CO | $1K | — | $1K | 2.51% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | AETNA LIFE INSURANCE CO | $1K | — | $1K | 2.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSRUANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $126K |
| THE GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $25K |
| MCGRIFF INSURANCE SERVICES | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $6K |
| TEABERRY BENEFIT ANALYSTS | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $4K |
| JOHN D PICKARD | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $3K |
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 | 449 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AETNA LIFE INSURANCE CO | 807 | $42K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 438 | $204K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 438 | $144K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 387 | $79K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 345 | $247K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 144 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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.