| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 150 SOUTH 5TH STREET SUITE 2855 MINNEAPOLIS, MN 55402 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $91K | — | $91K | 2.33% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | $21K | — | $21K | 0.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 150 SOUTH 5TH STREET SUITE 2855 MINNEAPOLIS, MN 55402 | RELIANCE STANDARD | $19K | $5K | $24K | 9.06% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC DBA SCOTT I | PO BOX 603438 CHARLOTTE, NC 28260 | RELIANCE STANDARD | $7K | — | $7K | 2.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1650 WEST END BOULEVARD SUITE 100 ST LOUIS PARK, MN 55416 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 7.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 1650 WEST END BLVD SUITE 100 ST. LOUIS PARK, MN 55416 | RELIANCE STANDARD | $2K | $1K | $4K | 8.57% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC DBA SCOTT I | 4700 FALLS OF NEUSE SUITE 320 RALEIGH, NC 27609 | RELIANCE STANDARD | $2K | — | $2K | 4.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | SYMETRA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 21.22% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | SYMETRA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | SYMETRA LIFE INSURANCE COMPANY | — | $833 | $833 | 2.12% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE -EB COMMISSION | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $80 | $2K | 17.06% |
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 | 427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MINNESOTA | 288 | $3.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 743 | $216K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 743 | $216K |
| Life insurance | RELIANCE STANDARD | 325 | $265K |
| Short-term disability(2 contracts) | RELIANCE STANDARD | 377 | $306K |
| Long-term disability | RELIANCE STANDARD | 325 | $265K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD | 500 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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.