| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $19K | $23K | $42K | 3.72% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 200 CENTER POINT ROAD SUITE 2400 COLOMBIA, SC 29210 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | $99K | — | $99K | 10.00% |
| 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 | $64K | $9K | $72K | 17.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES-COLUMBIA | ATTN BONNIE EDWARDS 414 GALLIMORE DAIRY RD, STE F GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $1K | $17K | 15.73% |
| BENEFITSTORE INC3 | DALLAS REGIONAL LOCKBOX,BENEFITSTOR LOCKBOX NUMBER 893383 RICHARDSON, TX 75081 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $120 | — | $120 | 0.11% |
| 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 | 736 MARKET STREET #10 CHATTANOOGA, TN 37402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| 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 | $13K | $2K | $15K | 18.45% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 736 MARKET STREET #10 CHATTANOOGA, TN 37402 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 11.81% |
| GBS BENEFITS INC3 | 2200 S MAIN #600 SOUTH SALT LAKE, UT 84115 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.82% |
| TIMOTH C FLANAGAN3 | 4350 CONGRESS ST STE 300 CHARLOTTE, NC 28209 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.64% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 736 MARKET ST #10 CHATTANOOGA, TN 37402 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $726 | — | $726 | 1.18% |
| BRADY MURRAY3 | 2901 W BLUE GRASS BLVD STE 320 LEHI, UT 84043 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17 | — | $17 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC4 | PO BOX 896620 CHARLOTTE, NC 28289 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $2K | — | $2K | 9.13% |
| GBS BENEFITS INC4 | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE CITY, UT 84115 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $786 | — | $786 | 3.88% |
| CROUSE COMPANY LLC4 | 818A DELMAS AVE NASHVILLE, TN 37216 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $155 | — | $155 | 0.76% |
| FOOTPRINTS IN THE SAND FITS LLC4 | 725 OAKSDALE SUMMIT CT WILDWOOD, MO 63011 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $54 | — | $54 | 0.27% |
| ALAN K STEELE4 | PO BOX 664 SANTAQUIN, UT 84655 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $31 | — | $31 | 0.15% |
| ANN M PALMER4 | 311 SUNNYSIDE AVE MURRELLS INLET, SC 29576 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $30 | — | $30 | 0.15% |
| STEVEN E MAUCERI4 | 1515 HEMLOCK FARMS HAWLEY, PA 18428 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $28 | — | $28 | 0.14% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY ST NEW YORK, NY 10281 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $28 | — | $28 | 0.14% |
| BB&T INSURANCE SERVICES, INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $864 | — | $864 | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | EB COMMISSIONS PO BOX 89662 CHARLOTTE, NC 28289 | FIRST UNUM LIFE INSURANCE COMPANY | $332 | $93 | $425 | 18.53% |
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 | 754 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 754 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,033 | $106K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 712 | $89K |
| Vision | VISION SERVICE PLAN | 677 | $106K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 922 | $1.6M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 922 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 922 | $1.2M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 740 | $992K |
| Other(8 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 922 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,033 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.