| 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 | $26K | $39K | $64K | 3.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | EB COMMISION PO BOX 89662 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87K | $12K | $98K | 20.06% |
| STEALTH PARTNER GROUP LLC3 | 18700 HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | BERKLEY ACCIDENT AND HEALTH | $116K | $58K | $174K | 150.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | EB COMMISSION PO BOX 89662 CHARLOTTE, NC 28289 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $2K | $19K | 17.66% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18 | — | $18 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURNACE SERVICES, INC | 214 N TRYON ST FL 46 CHARLOTTE, NC 28202 | MASSACHUESETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $661 | $6K | 6.10% |
| TIMOTH C FLANAGAN3 | 4350 CONGRESS ST STE 300 CHARLOTE, NC 28209 | MASSACHUESETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $350 | $2K | 2.53% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | MASSACHUESETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.33% |
| 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 | $321 | — | $321 | 0.33% |
| BRADY MURRAY3 | 2901 W BLUE GRASS BLVD STE 320 LEHI, UT 84043 | MASSACHUESETTS MUTUAL LIFE INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC4 | PO BOX 896620 CHARLOTTE, NC 28289 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $2K | — | $2K | 7.35% |
| GBS BENEFITS INC4 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $575 | — | $575 | 1.94% |
| CROUSE COMPANY LLC4 | 601 REDLEAF RIDGE CIR NASHVILLE, TN 37211 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $50 | — | $50 | 0.17% |
| STEVEN E MAUCERI4 | 11709 SEASHORE LN PANAMA CITY BEACH, FL 32407 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $31 | — | $31 | 0.10% |
| FOOTPRINTS IN THE SAND FITS LLC4 | 725 OAKSDALE SUMMIT CT WILDWOOD, MO 63011 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $29 | — | $29 | 0.10% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | EB COMMISSION PO BOX 89662 CHARLOTTE, NC 28289 | FIRST UNUM LIFE INSURANCE COMPANY | $646 | $86 | $732 | 18.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $769K |
| MCGRIFF (ALLENTOWN, PA) EIN 56-1623293 BROKER | Other commissions Service code 55 | — | $70K |
| UNITED HEALTHCARE SERVICES | Claims processing; Other services Service code 12 | — | $0 |
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 | 1,171 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BERKLEY ACCIDENT AND HEALTH | 988 | $116K |
| Dental | DELTA DENTAL | 2,359 | $0 |
| Vision | VISION SERVICE PLAN | 884 | $160K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,185 | $2.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,185 | $1.8M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,185 | $1.9M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,185 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,359 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.