| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $190K | — | $190K | 4.31% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $19K | — | $19K | 0.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $85K | $9K | $94K | 14.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 3605 GLENWOOD AVE. RALEIGH, NC 27612 | KAISER FOUNDATION HEALTH PLAN, INC. | $18K | — | $18K | 5.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 3605 GLENWOOD AVE. RALEIGH, NC 27612 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | — | $9K | 3.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $410 | $15K | 61.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $366 | $13K | 59.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $18K | — | $18K | 524.88% |
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 | 928 | 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) | 929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 633 | $5.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 941 | $640K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 941 | $640K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 941 | $640K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 941 | $640K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 941 | $665K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 941 | — |
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.