| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 141 WEST JACKSON BOULEVARD SUITE 1000, LOCKBOX 95287 CHICAGO, IL 60604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $115K | $116K | 2.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $95K | $97K | 2.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | $0 | $29K | 7.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 30091 21ST FLOOR ARLINGTON HEIGHTS, IL 60063 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $0 | $18K | 4.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 141 WEST JACKSON BOULEVARD SUITE 1000, LOCKBOX 95287 CHICAGO, IL 60604 | DELTA DENTAL INSURANCE COMPANY | $19K | $0 | $19K | 5.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | DELTA DENTAL INSURANCE COMPANY | $14K | $0 | $14K | 4.25% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | 3800 FERNANDINA ROAD, SUITE 200 COLUMBIA, SC 29210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 16.90% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 214 NORTH TRYON STREET, SUITE 46 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 16.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $728 | $0 | $728 | 2.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $9 | $1K | 10.39% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 12725 MORRIS ROAD EXTENSION SUITE 200 ALPHARETTA, GA 30004 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $102 | $102 | 0.96% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | 3800 FERNANDINA ROAD, SUITE 120 COLUMBIA, SC 29221 | TRUSTMARK INSURANCE COMPANY | $363 | $0 | $363 | 4.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 3201 BEECHLEAF COURT, SUITE 200 RALEIGH, NC 27604 | TRUSTMARK INSURANCE COMPANY | $363 | $0 | $363 | 4.14% |
| UNKNOWN3 | UNKNOWN ROSWELL, GA 30076 | TELADOC HEALTH, INC. | $120 | $0 | $120 | 12.79% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 374 | $4.4M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 523 | $323K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 374 | $4.4M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $393K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $385K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $385K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 374 | $4.4M |
| Other(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 374 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.