| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $48K | — | $48K | 10.32% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 101 N CHERRY ST SUITE 500 WINSTON-SALEM, NC 271014080 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 5.08% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 2211 7TH AVE SOUTH BIRMINGHAM, AL 35233 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.08% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $107 | $107 | 0.02% |
| CHARLES BICE3 | 2211 7TH AVE SOUTH BIRMINGHAM, AL 35233 | DELTA DENTAL OF WYOMING | $46K | — | $46K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $9K | — | $9K | 8.05% |
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 | 623 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF WYOMING | 1,454 | $9.5M |
| Dental | DELTA DENTAL OF WYOMING | 513 | $463K |
| Vision | VISION SERVICE PLAN | 494 | $113K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 949 | $470K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 949 | $470K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 949 | $470K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 949 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,454 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.