| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA HEALTH, INC. | $420K | $145K | $565K | 1.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3318 W FRIENDLY AVE GREENSBORO, NC 27410 | AETNA HEALTH, INC. | $97K | — | $97K | 0.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $157K | $30K | $187K | 7.67% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA LIFE INSURANCE CO. | $20K | — | $20K | 0.84% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3318 W FRIENDLY AVE GREENSBORO, NC 27410 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 0.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33 | $33 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33 | $33 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4309 EMPEROR BLVD SUITE 300 DURHAM, NC 27703 | HARTFORD LIFE AND ACCIDENT | $9K | $1K | $10K | 8.11% |
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 | 3,324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 404 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 105 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,833 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | AETNA HEALTH, INC. | 6,450 | $54.3M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,386 | $200K |
| Vision | UNIVERSITY HEALTH ALLIANCE | 1 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 12,077 | $2.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 12,077 | $2.4M |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 1 | $7K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,254 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,077 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.