| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $30 | $55K | 8.06% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 327654508 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 2.42% |
| ARISA HEALTH, INC.0 | 2400 SOUTH 48TH STREET SPRINGDALE, AR 72762 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 1.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.01% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD SUITE 2021 OVIEDO, FL 327654508 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | — | $33K | 39.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $7 | $13K | 15.71% |
| ARISA HEALTH, INC.0 | 2400 SOUTH 48TH STREET SPRINGDALE, AR 72762 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | METROPOLITAN LIFE INSURANCE COMPANY | — | $255 | $255 | 0.30% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 SUITE 2021 OVIEDO, FL 327654508 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | — | $32K | 39.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $7 | $13K | 15.78% |
| ARISA HEALTH, INC.0 | 2400 SOUTH 48TH STREET SPRINGDALE, AR 72762 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | METROPOLITAN LIFE INSURANCE COMPANY | — | $250 | $250 | 0.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $7K | — | $7K | 10.00% |
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 | 909 | 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) | 917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 940 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,494 | $680K |
| Vision | VISION SERVICE PLAN | 669 | $70K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,494 | $680K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,494 | $680K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,494 | $680K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 940 | $3.1M |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,494 | $847K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,494 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.