| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTE, NC 28289 | AETNA LIFE INSURANCE COMPANY | $73K | — | $73K | 3.81% |
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEACHLEAF COURT RALEIGH, NC 27604 | AETNA LIFE INSURANCE COMPANY | $22K | — | $22K | 1.17% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTE, NC 28289 | AETNA HEALTH, INC. | $11K | — | $11K | 3.74% |
| MCGRIFF INSURANCE SERVICES INC3 | 3201 BEACHLEAF COURT RALEIGH, NC 27604 | AETNA HEALTH, INC. | $4K | — | $4K | 1.27% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $3K | $20K | 11.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 12.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $711 | $4K | 12.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTE, NC 28289 | UNUM INSURANCE COMPANY | $1K | $260 | $1K | 12.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTE, NC 28289 | UNUM INSURANCE COMPANY | $654 | $165 | $819 | 10.25% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | SAFEGUARD HEALTH PLANS INC. A CALIFORNIA CORPORATION | $190 | $32 | $222 | 11.66% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 339 | $2.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 470 | $176K |
| Vision | AETNA LIFE INSURANCE COMPANY | 339 | $1.9M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $99K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $71K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $71K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 183 | $117K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.