| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEACHLEAF COURT RALEIGH, NC 27604 | AETNA LIFE INSURANCE COMPANY | $73K | $558 | $74K | 4.66% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE STE 201 RALEIGH, NC 27612 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 0.37% |
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEACHLEAF COURT SUITE 1100 RALEIGH, NC 27604 | AETNA HEALTH, INC. | $14K | — | $14K | 4.58% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | AETNA HEALTH, INC. | $992 | — | $992 | 0.33% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 11.35% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA, INC | 750 B ST STE 2400 SAN DIEGO, CA 921012476 | METROPOLITAN LIFE INSURANCE COMPANY | — | $257 | $257 | 0.16% |
| MCGRIFF INSURANCE SERVICES INC3 | 680 LANGSDORF DRIVE #100 FULLERTON, CA 92831 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.09% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS | 9370 SKY PARK COURT SUITE 250 SAN DIEGO, CA 92123 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.32% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 PO BOX CHARLOTTE, NC 28289 | SAFEGUARD HEALTH PLANS INC. A CALIFORNIA CORPORATION | $323 | — | $323 | 9.91% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | SAFEGUARD HEALTH PLANS INC. A CALIFORNIA CORPORATION | — | $46 | $46 | 1.41% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES OF CA. INC | 750 B ST STE 2400 SAN DIEGO, CA 921012476 | SAFEGUARD HEALTH PLANS INC. A CALIFORNIA CORPORATION | — | $5 | $5 | 0.15% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 309 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 470 | $164K |
| Vision | AETNA LIFE INSURANCE COMPANY | 309 | $1.6M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $121K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $121K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $121K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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.