| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 200 CENTER POINT ROAD SUITE 2400 COLOMBIA, SC 29210 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $104K | — | $104K | 11.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES C | ATTN BONNIE EDWARDS 414 GALLIMORE DAIRY RD. STE. F GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $6K | $23K | 2.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES - C | ATTN BONNIE EDWARDS 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58K | $3K | $61K | 15.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES- COLUMBI | ATTN BONNIE EDWARDS 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $4K | $20K | 19.02% |
| BENEFITSTORE INC3 | DALLAS REGIONAL LOCKBOX,BENEFITSTOR LOCKBOX NUMBER 893383 RICHARDSON, TX 75081 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $211 | $4K | 3.44% |
| GBS BENEFITS INC3 | 465 S 400 EAST STE 300 SALT LAKE CITY, UT 84111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $45 | — | $45 | 0.04% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES - C | ATTN BONNIE EDWARDS 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | UNUM INSURANCE COMPANY | $12K | $683 | $13K | 15.87% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $5K | — | $5K | 9.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 2600 EASTPOINT PKWY LOUISVILLE, KY 40223 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $4K | $2K | $5K | 8.89% |
| FLANAGAN TIMOTHY C JR3 | 4350 CONGRESS ST STE 300 CHARLOTTE, NC 28209 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $525 | $2K | $2K | 3.65% |
| MURRAY BRADY3 | 6330 S 3000 E STE 600 SALT LAKE CITY, UT 84121 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $23 | — | $23 | 0.04% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | MASSACHUSETTS MUTUAL LIFE INSURANCE | $3 | — | $3 | 0.01% |
| BB&T INSURANCE SERVICES, INC.4 Filed as: BB&T INSURANCE SERVICES | P.O. BOX 896620 CHARLOTTE, NC 28289 | PRE-PAID LEGAL SERVICES, INC | $3K | — | $3K | 9.59% |
| GBS BENEFITS INC4 | 465 S 400 E SUITE 300 SALT LAKE CITY, UT 84111 | PRE-PAID LEGAL SERVICES, INC | $1K | — | $1K | 4.72% |
| CROUSE COMPANY LLC4 | 818 A DELMAS AVE NASHVILLE, TN 37216 | PRE-PAID LEGAL SERVICES, INC | $184 | — | $184 | 0.70% |
| FOOTPRINTS IN THE SAND FITS LLC4 | 725 OAKSDALE SUMMIT CT WILDWOOD, MO 63011 | PRE-PAID LEGAL SERVICES, INC | $151 | — | $151 | 0.57% |
| ANN M PALMER4 | 311 SUNNYSIDE AVE MURRELLS INLET, SC 29576 | PRE-PAID LEGAL SERVICES, INC | $80 | — | $80 | 0.30% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST OFC NEW YORK, NY 10281 | PRE-PAID LEGAL SERVICES, INC | $66 | — | $66 | 0.25% |
| ALAN K STEELE4 | P.O. BOX 664 SANTAQUIN, UT 84655 | PRE-PAID LEGAL SERVICES, INC | $34 | — | $34 | 0.13% |
| SUE B MARTINES4 | 1665 NW HIGHLAND DR CORVALLIS, OR 97330 | PRE-PAID LEGAL SERVICES, INC | — | — | $0 | 0.00% |
| ALAN K STEELE4 | P.O. BOX 664 SANTAQUIN, UT 84655 | PRE-PAID LEGAL SERVICES, INC | — | — | $0 | 0.00% |
| CROUSE COMPANY LLC4 Filed as: CROUSE COMPANY, LLC | 818A DELMAS AVE NASHVILLE, TN 37216 | PRE-PAID LEGAL SERVICES, INC | — | — | $0 | 0.00% |
| STEVEN E MAUCERI4 | 1515 HEMLOCK FARMS HAWLEY, PA 18428 | PRE-PAID LEGAL SERVICES, INC | — | — | $0 | 0.00% |
| MICHELE SCHULMAN4 | 817 KETTERING CLOSE ANTIOCH, TN 37013 | PRE-PAID LEGAL SERVICES, INC | — | — | $0 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 818 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MARQUEE HEALTH LLC | 0 | $11K |
| Dental | DELTA DENTAL | 1,946 | $0 |
| Vision | VISION SERVICE PLAN | 686 | $0 |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 921 | $1.2M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 921 | $830K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 921 | $890K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 779 | $933K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 921 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,946 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.