| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $45K | $45K | 4.71% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES INC. | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 0.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS, INC. | 114 WEST WALNUT STREET KOKOMO, IN 46901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 5.77% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 4.95% |
| UNKNOWN3 | UNKNOWN BUFORD, GA 30519 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.40% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 140 | $962K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $171K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $171K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $171K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $171K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 140 | $962K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 222 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.