| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS, INC. | 2211 7TH AVENUE S BIRMINGHAM, AL 35233 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $24K | — | $24K | 1.99% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 150 S. 5TH STREET SUITE 2855 MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $12K | — | $12K | 1.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 1650 WEST END BLVD SUITE 100 ST LOUIS PARK, MN 55416 | RELIANCE STANDARD | $9K | — | $9K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 150 S 5TH STREET SUITE 2855 MINNEAPOLIS, MS 554024402 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | EB COMMISSION P.O. BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN GENERAL INSURANCE COMPANY | $563 | — | $563 | 12.78% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | KAISER FOUNDATION HEALTH PLAN | $89 | — | $89 | 3.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 1650 WEST END BLVD SUITE 100 ST. LOUIS PARK, MN 55416 | RELIANCE STANDARD | $4 | — | $4 | 10.81% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 395 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 359 | $70K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 359 | $70K |
| Life insurance | RELIANCE STANDARD | 195 | $95K |
| Short-term disability(2 contracts) | RELIANCE STANDARD | 195 | $95K |
| Long-term disability | RELIANCE STANDARD | 195 | $95K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD | 195 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.