| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 550 SOUTH CALDWELL STREET CHARLOTTE, NC 28202 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $38K | — | $38K | 2.63% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $20K | — | $20K | 1.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 550 SOUTH CALDWELL STREET CHARLOTTE, NC 28202 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 5.06% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 130 THEORY STREET #200 IRVINE, CA 92660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $12K | 14.96% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N. MILDRED AVE #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $607 | — | $607 | 0.74% |
| SUSIE A ESTRADA3 | 25742 PARK AVENUE SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $469 | — | $469 | 1.13% |
| G SCOTT COOKE3 Filed as: SCOTT C CASTEEL | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $413 | — | $413 | 1.00% |
| ACRISURE LLC3 Filed as: SULLIVAN CURTIS MONROE INSURANCE | 2100 MAIN ST STE 350 IRVINE, CA 92614 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $250 | — | $250 | 0.60% |
| RALPH F REA JR3 | 84 VIA BARCELONA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $239 | — | $239 | 0.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE STE 1200 DALLAS, TX 75201 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 0.47% |
| BARBARA ELLEN SMITH3 | 4040 PIEDMONTH DRF SPC HIGHLAND, CA 92346 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $165 | — | $165 | 0.40% |
| KENNETH D WONG3 | PO BOX 11810 MARINA DEL REY, CA 90292 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 0.19% |
| MIKE MCCORMICK3 | 7 MONSERRAT PL FOOTHILL RANCH, CA 92610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.15% |
| JOHN D EVANGELISTA3 | 186 LAS FLORES ALISO VIEJO, CA 92656 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.11% |
| DUSTIN SNYDER3 | 823 SILVERWOOD PLACE REDLANDS, CA 92373 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | VISION SERVICE PLAN | $770 | — | $770 | 5.43% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $247 | — | $247 | 1.74% |
| MCGRIFF INSURANCE SERVICES INC3 | 130 THEORY SUITE 200 IRVINE, CA 92617 | HOLMAN FAMILY COUNSELING, INC. | $188 | — | $188 | 5.00% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 212 | $1.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 212 | $154K |
| Vision | VISION SERVICE PLAN | 105 | $14K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $81K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $123K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $81K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 135 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.