| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | — | BLUE CROSS AND BLUE SHIELD OF LOUSIANA | $293K | — | $293K | 8.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | — | $35K | 8.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CTR DR, STE 1800 GREENSBORO, NC 27409 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $14K | — | $14K | 8.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONSOLIDATED ADMIN SERVICES EIN 80-0504117 TPA | Claims processing Service code 12 | PO BOX 1513 CABOT, AR 72023 | $15K |
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 | 873 | 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) | 873 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUSIANA | 772 | $3.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 427 | $436K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 427 | $436K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 523 | $175K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 523 | $611K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 523 | $175K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUSIANA | 772 | $3.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 427 | $436K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.