| 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 282896620 | ANTHEM INSURANCE COMPANIES, INC. | $26K | — | $26K | 3.87% |
| INDIANA CHAMBER INSURANCE AGENCY3 | 115 WEST WASHINGTON ST. SUITE 850S INDIANAPOLIS, IN 46204 | ANTHEM INSURANCE COMPANIES, INC. | $678 | — | $678 | 0.10% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOC INS. GROUP INC. | 1 KELLY WAY SPARKS GLENCOE, MD 211529484 | HARTFORD LIFE AND ACCIDENT | $7K | $5K | $13K | 22.25% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOC INS. GROUP INC. | 1 KELLY WAY SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 11.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | — | $895 | $895 | 2.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 5130 PARKWAY PLAZA BLVD. CHARLOTTE, NC 28217 | ANTHEM LIFE INSURANCE COMPANY | $692 | $430 | $1K | 14.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 2520 NORTHWINDS PKWY STE 600 ALPHARETTA, GA 300092238 | PRINCIPAL LIFE INSURANCE COMPANY | $748 | — | $748 | 10.01% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS. GROUP | 1 KELLY WAY SPARKS GLENCOE, MD 211529484 | PRINCIPAL LIFE INSURANCE COMPANY | $374 | — | $374 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 7701 AIRPORT CENTER DR. GREENSBORO, NC 27409 | PRINCIPAL LIFE INSURANCE COMPANY | — | $212 | $212 | 2.84% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 154 | $680K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 119 | $42K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 135 | $7K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 108 | $64K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 88 | $57K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 88 | $57K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 108 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.