| 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 | $22K | $30K | $52K | 3.49% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | EB COMMISION PO BOX 89662 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68K | $9K | $77K | 17.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | EB COMMISSION PO BOX 89662 CHARLOTTE, NC 28289 | UNUM INSURANCE COMPANY | $12K | $2K | $14K | 17.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURNACE SERVICES, INC | 214 N TRYON ST FL 46 CHARLOTTE, NC 28202 | MASSACHUESETTS MUTUAL LIFE INSURANCE COMPANY | $9K | $3K | $11K | 14.76% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | MASSACHUESETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.22% |
| TIMOTH C FLANAGAN3 | 4350 CONGRESS ST STE 300 CHARLOTE, NC 28209 | MASSACHUESETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $103 | $1K | 1.65% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 214 N TRYON ST FL 46 CHARLOTTE, NC 28202 | MASSACHUESETTS MUTUAL LIFE INSURANCE COMPANY | $425 | — | $425 | 0.56% |
| BRADY MURRAY3 | 2901 W BLUE GRASS BLVD STE 320 LEHI, UT 84043 | MASSACHUESETTS MUTUAL LIFE INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC4 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $2K | — | $2K | 6.90% |
| GBS BENEFITS INC4 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $753 | — | $753 | 2.17% |
| CROUSE COMPANY LLC4 | 601 REDLEAF RIDGE CIRCLE NASHVILLE, TN 37211 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $85 | — | $85 | 0.24% |
| FOOTPRINTS IN THE SAND FITS LLC4 | 725 OAKSDALE SUMMIT CT WILDWOOD, MO 63011 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $51 | — | $51 | 0.15% |
| STEVEN E MAUCERI4 | 1515 HEMLOCK FARMS HAWLEY, PA 18428 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $36 | — | $36 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BIND BENEFITS, INC. DBA SUREST EIN 81-4560965 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $218K |
| MCGRIFF (ALLENTOWN, PA) EIN 56-1623293 BROKER | Other commissions Service code 55 | — | $25K |
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 | 937 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 937 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,128 | $1.9M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,128 | $1.5M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,128 | $1.6M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,128 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,128 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.